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  • FIRST POST
    • popeye2755
    • By popeye2755 11th Feb 18, 6:06 PM
    • 53Posts
    • 22Thanks
    popeye2755
    Bank accounts not showing
    • #1
    • 11th Feb 18, 6:06 PM
    Bank accounts not showing 11th Feb 18 at 6:06 PM
    Hi Guys,

    I have two standard current accounts (Halifax and Lloyds) that aren't showing on my credit file. (MSE Credit Club and Noddle)

    Can anyone think why?


    Cheers
    zayt nisht meshugge
Page 1
    • zx81
    • By zx81 11th Feb 18, 6:27 PM
    • 16,427 Posts
    • 17,480 Thanks
    zx81
    • #2
    • 11th Feb 18, 6:27 PM
    • #2
    • 11th Feb 18, 6:27 PM
    Because they don't report those accounts to those CRAs.

    They may report them to Equifax or not at all.
    • popeye2755
    • By popeye2755 11th Feb 18, 6:35 PM
    • 53 Posts
    • 22 Thanks
    popeye2755
    • #3
    • 11th Feb 18, 6:35 PM
    • #3
    • 11th Feb 18, 6:35 PM
    Thanks ZX81, can't get onto Equifax so I guess I'll never know.
    zayt nisht meshugge
    • cjmillsnun
    • By cjmillsnun 11th Feb 18, 8:25 PM
    • 597 Posts
    • 731 Thanks
    cjmillsnun
    • #4
    • 11th Feb 18, 8:25 PM
    • #4
    • 11th Feb 18, 8:25 PM
    You should be able to access your equifax report from clearscore.
    • Thrugelmir
    • By Thrugelmir 11th Feb 18, 10:38 PM
    • 58,198 Posts
    • 51,571 Thanks
    Thrugelmir
    • #5
    • 11th Feb 18, 10:38 PM
    • #5
    • 11th Feb 18, 10:38 PM
    How old are the accounts. Older contract terms didn't give the bank permission to share your data.
    Financial disasters happen when the last person who can remember what went wrong last time has left the building.
    • popeye2755
    • By popeye2755 13th Feb 18, 8:46 AM
    • 53 Posts
    • 22 Thanks
    popeye2755
    • #6
    • 13th Feb 18, 8:46 AM
    • #6
    • 13th Feb 18, 8:46 AM
    They were both opened a few years ago.

    I can't access my Equifax report through clearscore, for some reason I fail the identity check and I can't contact them to resolve it.
    zayt nisht meshugge
    • nic_c
    • By nic_c 13th Feb 18, 9:01 AM
    • 1,392 Posts
    • 770 Thanks
    nic_c
    • #7
    • 13th Feb 18, 9:01 AM
    • #7
    • 13th Feb 18, 9:01 AM
    What's the worry about them not showing? Have you any variations of your address, e.g. Flat 2 The Street and 2 The Street. If they is a slight variation on how your bank address you and what shows on the CRA's then contact the CRA's to inform them.
    • popeye2755
    • By popeye2755 13th Feb 18, 1:32 PM
    • 53 Posts
    • 22 Thanks
    popeye2755
    • #8
    • 13th Feb 18, 1:32 PM
    • #8
    • 13th Feb 18, 1:32 PM
    I'm not particularly bothered about them not showing, but I'm trying to improve my credit report so I thought that it may help if they did.

    There's no difference in the addresses.
    zayt nisht meshugge
    • Tarambor
    • By Tarambor 13th Feb 18, 2:12 PM
    • 2,698 Posts
    • 1,937 Thanks
    Tarambor
    • #9
    • 13th Feb 18, 2:12 PM
    • #9
    • 13th Feb 18, 2:12 PM
    Ignore the score, its fiction made up by the reference agency which lenders don't use. If you don't believe me have a look through this and the loans board where there are plenty of people with high or even maximum scores denied loans.
    • popeye2755
    • By popeye2755 13th Feb 18, 5:27 PM
    • 53 Posts
    • 22 Thanks
    popeye2755
    Ignore the score, its fiction made up by the reference agency which lenders don't use. If you don't believe me have a look through this and the loans board where there are plenty of people with high or even maximum scores denied loans.
    Originally posted by Tarambor
    I know, that's why I didn't say "score".
    zayt nisht meshugge
    • RG2015
    • By RG2015 13th Feb 18, 6:10 PM
    • 1,126 Posts
    • 675 Thanks
    RG2015
    Ignore the score, its fiction made up by the reference agency which lenders don't use.
    Originally posted by Tarambor
    I know, that's why I didn't say "score".
    Originally posted by popeye2755
    I had the same a couple of years ago. I went out of my way not to talk about my credit score but I was still told to ignore my score.

    I sometimes wonder if people actually read posts before responding.
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