Is your credit report missing information?

By Neil Stone, Experian UK social support team

credit-score-report-history-300x200I’ve been looking to get some improvements done around my home lately. The kitchen has been looking a bit tired so I was thinking about getting a loan to cover the cost.

Before I even contacted my bank, I checked my credit report to make sure that all of my accounts that I expected to be showing were on the report. The more information a lender can see the better picture they will have of my credit history. If you have well run accounts then you want to be sure the lender can see them!

There are times though, when information that you might be expecting to show on your report doesn’t appear.

Here I’m going to run through a few reasons why this might be, and what can be done to make sure that the information does show. 

–          Does the lender share the information with Experian?
Not all lenders will share information with Experian.  Some will only share with specific agencies and not all of them. Check with your lender to see if they do share information with Experian.     

–          Does the lender have consent to share the information?
If your account was opened a number of years ago, then the company may not have obtained your permission to share the information with Credit Reference Agencies. This is particularly the case with accounts opened before 1998 when the Data Protection Act came in. Ask your lender to provide a consent form so the information can be shared.

–          Have your previous addresses been added to your report?
Your report will show information in your name at the addresses supplied in the application. Old accounts may be recorded at a previous address so make sure you provide at least six years of address history on your report application. 

–          Is your current address up to date?
If you have a CreditExpert membership and have moved house, you will need to make sure that you update the address in your profile as this won’t change automatically. Once updated, you will be able to see all the information in your name at the address. 

–          Are there variations of your address?
Lenders may record information under different versions of your address than you normally use, particularly if you have both flat and house numbers. Check to see if the format of address your lender is using is the same as you would normally use. 

–          Is it under a different name?
If you have used more than one name, you will need to make sure an alias is recorded on your report to link information under the different names together, and to ensure that you can see them on the report.  You can download a form to add an alias here.

Once I was happy that my report had everything on that it should I knew I was ready to speak to the bank about that home improvement loan!

31 thoughts on “Is your credit report missing information?

  1. Louise Alderson

    I need to find what bank I used in 1998 when I first took out a car loan, so I can claim the ppi back. My credit report doesn’t go that far back so how can I find out who it was with?

    Reply
    1. CreditExpert Neil

      Hi Louise, I’m sorry but we only hold details of closed accounts for six years, after this time they are automatically removed from your report. We won’t have any further information that does not appear on your report so wouldn’t be able to say who you had accounts with in 1998.
      Kind regards Neil.

      Reply
  2. Lucy

    I just got a copy of my credit report from Experian and Equifax, and there is no sign of my HSBC current account on it.

    I opened the account 3 years ago when I moved here but it cannot be found, I’ve tried different addresses and names but nothing has turned up.

    Does anyone know why it’s not showing? I recently got rejected for a credit card I applied for to build my credit score. All my direct debits are also not shared with credit agencies.

    What should I do?
    Many thanks!

    Reply
    1. CreditExpert Neil

      Hi Lucy, not all banks will share current account information with credit reference agencies. You may wish to check with your bank to see if they are providing this information to a credit reference agency and if so which one. If the company are sharing the information with Experian, please get in touch and we can investigate this further for you.
      Direct Debits themselves though would not show on your credit report. Kind regards Neil.

      Reply
  3. Kerry Hayward

    Looking at my Experian credit report there is no sign of my bank account or any of my 3 credit cards or 2 store cards. The only items listed are closed credit cards. This is resulting in a poor credit risk to enquirers. How do I remedy this?

    Reply
    1. CreditExpert Neil

      Hi Kerry, while not all companies will supply us with information we would expect there to be some active accounts showing on your report. It is possible that your current address hasn’t been entered correctly when your report was produced, which would stop information in your name at your current address being retrieved.
      If you have got your report through the Money Saving Expert Credit Club you can log into Credit Club and once in your Experian Credit Report, use the Experian ‘Need some help’ option to submit your missing information query online.
      If you have your report through CreditExpert or a one off Experian credit report please contact us directly so we can investigate.
      Kind regards Neil.

      Reply
  4. Omene

    Hi I was wondering why a lot of my credit information has disappeared. I am in a DMP, and a lot of my debts are settled. But I have defaults in 2013 and 2014 so these accounts should still be showing. I had a credit report in 2014 that showed everything, but my most recent credit report only shows a few things. What has happened to rest of it?

    Reply
    1. CreditExpert Neil

      Hi Omene, there could be a number of reasons as to why information has disappeared off your credit report. One of the common reasons for this to happen is that the address that the accounts are recorded at has not been provided in the application. When the report is produced it will only show your information at the addresses provided in the application. Contact us with your details and we will be able to check this for you. Kind regards Neil.

      Reply
  5. Keith

    HI,

    I have joined to check out my credit rating in the UK but it says

    “Your Experian Credit Score is unavailable.

    We don’t have enough information to create your Experian Credit Score”

    It also does not say what more information i need to provide and how to do that?

    Thanks,
    Keith

    Reply
    1. CreditExpert Joe

      Hi Keith, please contact us by email/phhttps://britain.experian.com/blogs/consumer-advice/wp-admin/edit-comments.php?comment_status=moderated#comments-formone depending on your service and we can look in to this for you.

      Joe

      Reply
  6. Francis kershaw

    Hi,
    I had a mortgage with GE Money which was sold to Engage Credit around 2 years ago, My credit file shows GE Money is now closed but i have no record on Engage Credit & have been making over payments now for the last 2 years to try and boost my credit score, this not being on file has affected many credit applications and rates offered can you suggest a solution or am i unfortunately stuckwith this situation.
    Best regards

    Reply
    1. CreditExpert Neil

      Hi Francis, not all lenders will share information with Experian. It is possible that Engage are providing the information to one of the other credit reference agencies. It may be worth checking with them to see if this is the case.
      Kind regards
      Neil

      Reply
      1. Francis

        Hi Neil,
        I have checked Noddel, Clear Score, Experian, Equifax and they all show nothing when it comes to my Mortgage apart from that it was settled 2 years ago with GE Money.
        Are companies such as Engage Credit freed from having to update credit reference agency files because the way i see it is the same as most others that your mortgage is your biggest outgoing and therefore needs to be on your file to show your are a good payer.
        Best Regards
        Francis

        Reply
        1. CreditExpert Neil

          Hi Francis, we would expect a mortgage provider to report their information to at least one of the credit reference agencies, but it would be up to the lender themselves as to who they supply it to. It may be worth checking with your mortgage supplier to confirm which agency if any the are providing it to. If they do not have consent to share the information then this could be why it is not appearing, so you may also want to check that they have your consent to share the information with credit reference agencies.
          Kind regards
          Neil

          Reply
  7. Kelly Bartholomew

    Hi, I have a business bank account which is linked to my business address. It does not show up om my credit report….should it? It’s eith HSBC and I think it would help improve my credit score….can I link it somehow?

    Reply
    1. CreditExpert Neil

      Hi Kelly, if it is a business account then it would not show up on your personal credit report. If you have any personal account information recorded at your business address then adding the business address as a previous address when applying for your credit report will ensure any information in your name at that address is retrieved on your credit report. Kind regards Neil.

      Reply
  8. Tina Shield

    For some reason 3 well managed credit card accounts have disappeared from my credit report. They are all with partners that your site says it works with, and all featured in my report 6 months ago when I had outstanding balances which I have now cleared. Please can you explain why they were removed and how I can have them reinstated? My credit score has not improved when I have basically cleared all my debt ahead of applying for a mortgage.

    Reply
    1. CreditExpert Neil

      Hi Tina, if you have changed address recently you would need to update your new address in your CreditExpert profile. This will make sure that any information at the new address is retrieved when you view your report. If not contact us with your details and we will be able to look into this for you. Kind regards Neil.

      Reply
  9. hunain

    hi i took out a mortgage in november 2016 from natwest but its not showing up on any off my credit reports, what can i do????

    Reply
    1. CreditExpert Stuart

      Hi,

      If you have an account with NatWest that you feel should be listed on your Experian Credit Report since November last year, our team can investigate what has happened with this for you.

      So that our team can help you with this, please contact us directly and we’ll be happy to help. You can find our contact details available here.

      Kind regards,
      Stuart

      Reply
  10. I-Chun

    Hi,
    i think my whole credit history just gone as you claimed that there is not enough information to generate a credit report for me, however one month ago i had over 800+ credit score with you.

    i have two credit cards and one of them just increased my limit this month so i can’t think of a reason why i have no record on your system.

    Reply
    1. CreditExpert Stuart

      Hi,

      That does seem strange if we do not have enough information at this time to generate a report for you. If you contact our team directly we can take a look into what has happened with this for you and resolve any issues that may have taken place with this.

      You can find our contact details available here.

      Kind regards,
      Stuart

      Reply
  11. JG

    Hi

    My current account with Bank of Scotland is not showing on my credit report (via Money Saving Expert Credit Club). I contacted my bank to request that the current account be added to my credit report and they advised that it cannot be made available to Experian as it was opened in 1999. I have given my bank written permission to share the information with Experian, however they claim that there is no way for them to share this data as the account was opened in 1999.

    Is this the case for all current accounts opened in, or before, 1999? I’ve read reviews/comments online that Experian have added similar bank accounts to credit reports.

    Grateful for any advice and/or guidance that you can provide.

    Many thanks for your help.

    Reply
    1. CreditExpert Stuart

      Hi JG,

      That does seem a little odd as usually it’s a case that lenders will just need to be given permission before they can start sharing information with a Credit Reference Agency such as Experian.

      It is possible however that the bank may not be able to share the details due to a technical reason on their end however you would need to talk to the Bank of Scotland further about this as the information would belong to them.

      Kind regards,
      Stuart

      Reply
  12. Laurent

    Hi!

    Thanks for the article! One more question, I have now for a month a credit card (American Express Platinum Cashback) and it does not appear on my report.

    Why is that? Is there anything I must do before it appears?

    Thanks a lot,
    Kind regards

    Reply
    1. CreditExpert Stuart

      Hi Laurent,

      In terms of the accounts being listed on the Experian Credit Report, the accounts will only be listed if the lender decides to share the information with us.

      With regards to American Express, you may want to talk directly to your lender to see if they do share with Experian or one of the other Credit Reference Agencies that are in the United Kingdom at the moment.

      Kind regards,
      Stuart

      Reply
  13. stephanie hewitson

    I have a question on credit score. I have 3 defaults paid in full this obviously has had an impact on my score however I wonder why monthly payments for previous car insurance, Rider’s insurance etc is not showing on there? Only mobile phone contracts and a closed store card?? Any advice why this is or what I can do to boost my score?

    Thank you

    Steph

    Reply
    1. CreditExpert Neil

      Hi Stephanie, we don’t hold information relating to insurance payments on your credit report, so any past or current insurance policies won’t show on the report.
      Paying your defaults will certainly look better to any lenders searching your report than unpaid ones. Improving your report further could take time though, having established accounts that are well run will be seen as positive. Most current accounts will now appear on a credit report so check with your bank to see if they are providing the information to credit reference agencies. Some utility companies are also now supplying information to credit reference agencies and these can also help to build positive information on your report. Kind regards Neil

      Reply
  14. Sergiu Erdeli

    Hey, what can I do pls help if someone can

    Almost 2 years ago I went to Santander to open a bank account, it was a man who offered to help me because none of them ( other banks) want to open an account . Y was working from the first day , y never do anything doggie . Every week I cash in a decent money . After six months I try to get a new phone the answer was “ Sorry but your application for a new phone is denied “. I ask why ? …..answer again….. probably the address is the problem…..hmmm
    I went to Santander to ask what’s going on with my credit score and again….. “ sorry but we cannot see what is the problem with your credit score “ I made an account to Experian and after a few months still “ insufficient information held about you”

    P.S. my account is business it was the only account what Santander could open for me
    Pls help me if someone can thanks

    Reply
    1. CreditExpert Neil

      Hi Sergiu, sorry to hear of the difficulty you have had getting a new phone. From what you have said it sounds like there is very little information held by Experian relating to you. This could lead to lenders declining an application as they can’t see how you have handled credit in the past and don’t want to take a risk.
      If we have been unable to generate an Experian Credit Score for you as we don’t hold enough information you would still be able to apply for a one off copy of your Experian Credit Report to check the information that we hold. You can find out more and apply here.
      There ways to start to build your credit history. Most current account information is now shared on credit reports, so check with your bank to see if they are able to supply this information. Some utility service information is also shared such as water, gas and electric. If you are able to register on the electoral roll this will also help to build you credit report. Kind regards Neil.

      Reply

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