Changing Current Account

John_Blackwell

I have frequently changed accounts, however, latest offer from 1st Direct has condition that you have not had HSBC account since 2018.
Because I've changed so many times, I can't remember if I have been with them.
How do I check?

flaneurs_lobster

Do you keep your emails? Search there.

Your credit reports will have details of previously held current accounts.

Personally I look at the spreadsheet that has details of every account I've held for the last 7 years.

John_Blackwell

Took a while, but eventually accessed my credit history via my MSE Credit Club. Thanks for the tip. as don't keep statements for that long.

NikaFrame

Thanks a lot for information, was searching for it really long! hope it will help me!

Nasqueron

flaneurs_lobster said:

Do you keep your emails? Search there.

Your credit reports will have details of previously held current accounts.

Personally I look at the spreadsheet that has details of every account I've held for the last 7 years.

Credit record has the last 6 years so might still be useful but increasingly it will rely on records you keep as you do

PRAISETHESUN

Best practice would to keep and maintain your own records, but failing that you could also consider submitting a DSAR to the banks directly to see what information they hold on file related to account openings and incentive payments. Contact details for their data protection officer are included in their privacy policies:

https://www.firstdirect.com/privacy/
https://www.hsbc.co.uk/privacy-notice/