@experianexperts Active credit card vanished from file?

[aj84]

Hi all,

 

Just a bit confused on my credit report that I tend to check minimum weekly so I know exactly what to expect. While I've been pretty much going up monthly where most debts are now cleared - there was a sudden jump from 8 something to 964 which puts me into the green nicely.

Looking further down, I have noticed an active credit card with a balance of around 5k has vanished.

Yes it was taken out in 2008 so 6 years but my understand was it would only vanish if the debt was not being paid off/touched/increasing. This card has been used/paid off/used/paid off countless times since 2008 so a bit puzzled.

 

Great if its staying off as I need to start looking at mortgages soon but still confused ...

any idea?

[BRIGADIER2JCS]

So the card is in good order and has been for some years?

Not over limit or late payments in that time, but always close to the limit?

[aj84]

apologies for the delay - I was unable to get online last night

 

In terms of good order - Now yes

the balance had always increased/decreased/paid off however there was a late payment due to Halifax blunder early last year and despite admission + never a missed/late payment on any card/loan/HP I've had had in the past, they refused to inform the credit agencies so it showed as a late payment for Feb 2013

 

Apart from that, no issues whatsoever

[BRIGADIER2JCS]

Ok which CRA did you use?

[aj84]

I've always used Credit Expert

I've just checked this morning and it seems my excitement was short-lived

Halifax is back on there and scores gone back down :- )

[BRIGADIER2JCS]

I've always used Credit Expert

I've just checked this morning and it seems my excitement was short-lived

Halifax is back on there and scores gone back down :- )

 

I've found usually reliable, this was probably an error, you could take this up with CEs data controller and ask for an explanation.