Credit card missing from credit file

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MrPez
MrPez Posts: 150 Forumite
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in Credit file & ratings
Hi all

I don't think its a problem, but I'm a bit confused.

I have a Tandem credit card and I just checked my credit file and found that my other two credit cards (that never get used) were there but the Tandem one wasn't.

Is there any reason this should happen?

It was Clearscore that I used to check in case that makes a difference.

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  • Willing2Learn
    Willing2Learn Posts: 6,294 Forumite
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    MrPez wrote: »
    It was Clearscore that I used to check in case that makes a difference.
    You should check your other two credit files....
    I work within the voluntary sector, supporting vulnerable people to rebuild their lives.

    I love my job

    :smiley:
  • Ben8282
    Ben8282 Posts: 4,821 Forumite
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    edited 16 January 2020 at 7:32PM
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    Not all credit card issuers report to all CRA's. Clearscore are not a CRA. The CRA's are Experian, Equifax and Transunion and as has recently been pointed out to me on another thread there is also a 4th CRA called CrediVia, so now apparently posters should be advised to check all 4 CRA's not all 3 as previously.
  • MrPez
    MrPez Posts: 150 Forumite
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    Oh, who knew! Thanks, I'll look at those ones too.
  • Willing2Learn
    Willing2Learn Posts: 6,294 Forumite
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    What is Creditvia??? It comes up with nothing listed, when I search on google...
    I work within the voluntary sector, supporting vulnerable people to rebuild their lives.

    I love my job

    :smiley:
  • eskbanker
    eskbanker Posts: 31,034 Forumite
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    Willing2Learn wrote: »
    What is Creditvia??? It comes up with nothing listed, when I search on google...
    Typo - https://www.crediva.co.uk/
  • Ben8282
    Ben8282 Posts: 4,821 Forumite
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    Sorry about the typo
    First saw them mentioned here
    https://forums.moneysavingexpert.com/showthread.php?t=6091272&highlight=crediva (see post 9)
  • yksi
    yksi Posts: 1,024 Forumite
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    Crediva is an odd one, when I did my "all in one" as a trial with CheckMyFile it gave me the Crediva report and it doesn't really seem to show the same sorts of things that the other three do. As you can see, no account information.

    48fe65f791d36e575d13677127c1f8bb.png
  • Ben8282
    Ben8282 Posts: 4,821 Forumite
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    Yes very odd, especially the last 3 things mentioned. Have never seen those mentioned before.
  • Willing2Learn
    Willing2Learn Posts: 6,294 Forumite
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    Yup, when I checked out their site the other day, it made no reference to the monitoring and reporting of credit account conduct...
    I work within the voluntary sector, supporting vulnerable people to rebuild their lives.

    I love my job

    :smiley:
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