How do I know they have closed the account?

gemmafrench

Hi,

I have had a recent trend just recently where I close store or credit cards only to receive 'loyalty vouchers', 'member discounts' etc. sometime AFTER I was informed the account was closed.

I always request written confirmation when closing an account however I am often informed this isn't possible.

Is there any way I can check for all opened accounts in my name?

I don't really want to do a credit check (Experian etc) as I hear these damage your credit rating however if this is the only way I feel I have no choice.

If anyone can help, let me know......

Krystaltips

Could you not just call the stores in question and ask if the account is still active? There's no reason they couldn't write to say the account is closed...

skyrider007

Checking your own credit reports will not have any adverse affect.

CLAPTON

many of the marketing letters and prepared a long time in advance


checking your own credit report has no effect on your credit rating as it is not a check for credit

surreysaver

CLAPTON wrote: »

checking your own credit report has no effect on your credit rating as it is not a check for credit

And only you and the Credit Reference Agency can see you've checked it - no one else.

surreysaver

gemmafrench wrote: »

Hi,

I have had a recent trend just recently where I close store or credit cards only to receive 'loyalty vouchers', 'member discounts' etc. sometime AFTER I was informed the account was closed.

I've had this before - credit card cheques sent more than a year after I've 'closed' the account! I think when you ring up, the operators gain points for every customer they manage to keep. So the best way to keep a customer is not to close the account!

skyrider007

another way to check whether your account is fully closed is to try accessing the online banking service. if you can't access it with your existing credentials then you can be sure that your account is closed. some card issuers such as MBNA allows you to view a profile screen of your account where you will be able to see the status of your account (i.e. active, inactive, closed).

Paul_Herring

gemmafrench wrote: »

I always request written confirmation when closing an account however I am often informed this isn't possible.

I've never been told this.

I don't really want to do a credit check (Experian etc) as I hear these damage your credit rating

As previously pointed out, this is incorrect; where did you hear this?

Or more specifically, requesting a copy of your credit reports is not a 'credit check' and the resultant footprints are only visible to you.