Mettle + Experian credit report = disaster

[potato632]

I was rejected for finance due to an issue with my Experian credit report..

Experian have:

• Named an inactive bank account as my primary bank account
• Named a closed Mettle e-money account as being active

15 months ago Mettle upgraded my bank account from e-money to a full banking license account

• Not listed my active Mettle account on the full report at all

I can see the active Mettle account and balance info on the Experian website, but they are not listed on the full report whatsoever (which I assume is what credit agencies gain access to)

So the finance company thinks my company has £0 running through it


Anyway, my question is - has anyone had similar issues on credit reports? Specifically with Mettle's account upgrading shenanigans

I am debating if I should check my credit report from a different company to see if the issue is the same - If so, then it might be Mettle that is not reporting things properly (I asked them on the app, they told me to go talk to Experian)

 

[JEREMY HAWKE]

Remeber that borrowing money is not an entitlement its somebody else's money

 

[DavidAshdown]

I was rejected for finance due to an issue with my Experian credit report..

Experian have:

• Named an inactive bank account as my primary bank account
• Named a closed Mettle e-money account as being active

15 months ago Mettle upgraded my bank account from e-money to a full banking license account

• Not listed my active Mettle account on the full report at all

I can see the active Mettle account and balance info on the Experian website, but they are not listed on the full report whatsoever (which I assume is what credit agencies gain access to)

So the finance company thinks my company has £0 running through it


Anyway, my question is - has anyone had similar issues on credit reports? Specifically with Mettle's account upgrading shenanigans

I am debating if I should check my credit report from a different company to see if the issue is the same - If so, then it might be Mettle that is not reporting things properly (I asked them on the app, they told me to go talk to Experian)

Have you spoken to Mettle? Credit reference agencies report the information provided to them by the lender. As far as I am aware, they are not able to report anything other than that, so anything you see, is the information Mettle would have sent to them. I would suggest you contact Mettle asap and ask them to amend the information.

 

[potato632]

Have you spoken to Mettle? Credit reference agencies report the information provided to them by the lender. As far as I am aware, they are not able to report anything other than that, so anything you see, is the information Mettle would have sent to them. I would suggest you contact Mettle asap and ask them to amend the information.

Yeah I contacted Mettle again today, front-line support are not understanding the issue at all and are thinking it's related to banking connections (like freeagent/xero), I have asked for someone more senior to take a look at it

I phoned Experian and they said the same thing, it's Mettle that needs to look into it

I'm curious if others that upgraded Mettle accounts have the same issue: Old account not properly reported as being closed, new one not properly tagged as a bank current account