I hope this post in in the right place, apologies if not!
I was looking today at my Experian credit report today as I wish to consolidate some debts.
With Equifax STILL not having my new address details on their systems after 3 months (I bought a new house in October 2012), I thought I would check my report with Experian too.
I noticed on my Experian report that the figure they give for my available credit is showing considerably lower than previously. I did some digging on my report and it appears my mortgage with RBS (for a second house I co-own) is showing on my report as RBOS (One Account) and is listed as a current account rather than a mortgage. Will this be affecting my available credit figure and if so can this be changed? Could this also be affecting my credit score, as I have not missed any payments nor am in arrears but my credit score report is indicating I have a high outstanding balance.
Many thanks!
Andy
I was looking today at my Experian credit report today as I wish to consolidate some debts.
With Equifax STILL not having my new address details on their systems after 3 months (I bought a new house in October 2012), I thought I would check my report with Experian too.
I noticed on my Experian report that the figure they give for my available credit is showing considerably lower than previously. I did some digging on my report and it appears my mortgage with RBS (for a second house I co-own) is showing on my report as RBOS (One Account) and is listed as a current account rather than a mortgage. Will this be affecting my available credit figure and if so can this be changed? Could this also be affecting my credit score, as I have not missed any payments nor am in arrears but my credit score report is indicating I have a high outstanding balance.
Many thanks!
Andy