Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

Search
  • FIRST POST
    • EdwardB
    • By EdwardB 5th Dec 16, 11:27 AM
    • 412Posts
    • 330Thanks
    EdwardB
    NO CREDIT CHECK Energy Companies
    • #1
    • 5th Dec 16, 11:27 AM
    NO CREDIT CHECK Energy Companies 5th Dec 16 at 11:27 AM
    Is there a list of energy suppliers that do NOT do credit checks?

    I gather that Scottish Power only check you if you go into arrears, that seems fair enough to me.

    We will all be moved to paying monthly with these useless smart meters anyway, no benefit for us just the energy companies who still rip us off by installing kit we do not need, that costs us money to run and becomes useless if we change supplier.

    I do not want soft credit checks, I do not want soft credit checks, I do not want my credit checked at all because of the total abuse of data and how it is shared by the Credit Checking Companies.

    If people want to list companies they KNOW do not search I will maintain a list.

    1. Scottish Power
    Please be nice to all MoneySavers. That’s the forum motto. Remember, the prime aim is to help provide info and resources. If you don’t like someone, their situation, their question or feel they’re intruding on ‘your board’ then please bite the bullet and think of the bigger issue.
Page 1
    • GingerBob
    • By GingerBob 6th Dec 16, 1:53 PM
    • 3,614 Posts
    • 1,657 Thanks
    GingerBob
    • #2
    • 6th Dec 16, 1:53 PM
    • #2
    • 6th Dec 16, 1:53 PM
    EDF do not hit you with a credit check, nor do they report your account to the CRAs. I'm with them for that reason.


    There was some talk about SSE only reporting accounts in default but I'm not sure of the exact status of that company.


    Some of the smaller companies have not yet been seduced into checking and reporting by the CRAs - not sure which ones at the moment. Occasionally people identify them in posts here.
    • csgohan4
    • By csgohan4 6th Dec 16, 2:03 PM
    • 4,146 Posts
    • 2,598 Thanks
    csgohan4
    • #3
    • 6th Dec 16, 2:03 PM
    • #3
    • 6th Dec 16, 2:03 PM
    how about ID checks? Insurance companies do these
    "It is prudent when shopping for something important, not to limit yourself to Pound land"
    • Keith_F
    • By Keith_F 11th Jan 18, 1:06 PM
    • 52 Posts
    • 8 Thanks
    Keith_F
    • #4
    • 11th Jan 18, 1:06 PM
    Scottish Power
    • #4
    • 11th Jan 18, 1:06 PM
    Scottish power do credit check, they also credit check to switch from prepayment to credit account.
    What’s more it is a hard check, so it degrades your credit score.
    It’s a scandal that they can degrade your credit history with hard checks even before telling you whether you are likely to be accepted as a customer.
    • House Martin
    • By House Martin 11th Jan 18, 1:40 PM
    • 941 Posts
    • 830 Thanks
    House Martin
    • #5
    • 11th Jan 18, 1:40 PM
    • #5
    • 11th Jan 18, 1:40 PM
    EDF also credit check but it is a "soft check ".
    Personally I think EDF are off their rockers not applying "due diligence " in weeding out the "professional "switchers who move to to EDF simply to escape a bad credit trail so they can go ahead and defraud a supplier in racking up large debts then moving onto another property and another identity.
    EDF will pass on all the bad debts onto the rest of us to pay, like many suppliers do.They cannot absorb all these large frauds or they would nt be able to operate at a profit.
    Npower was so bad at billing they were giving away a free years electricity to thousands.They would nt be paying themselves for all this largesse but passing it on to the National Grid to absorb.
    This is allowed to happen on electricity accounts but not gas where all losses have to be repaid to the grid
    • House Martin
    • By House Martin 11th Jan 18, 1:44 PM
    • 941 Posts
    • 830 Thanks
    House Martin
    • #6
    • 11th Jan 18, 1:44 PM
    • #6
    • 11th Jan 18, 1:44 PM
    Scottish power do credit check, they also credit check to switch from prepayment to credit account.
    What’s more it is a hard check, so it degrades your credit score.
    It’s a scandal that they can degrade your credit history with hard checks even before telling you whether you are likely to be accepted as a customer.
    Originally posted by Keith_F
    Its a much bigger "scandal " that suppliers allow frauds onto their books to get away with many thousands before the supplier pulls the plug on them.
    Its too late by then because the frauds are off and away to find another mug supplier, usually EDF
    • Raxiel
    • By Raxiel 11th Jan 18, 4:27 PM
    • 533 Posts
    • 277 Thanks
    Raxiel
    • #7
    • 11th Jan 18, 4:27 PM
    • #7
    • 11th Jan 18, 4:27 PM
    It's not just about credit checks either.

    Go to the credit board, and they'll tell you. Your 'Credit Score' is pretty meaningless, institutions offering credit will approve or deny on their own criteria.

    British Gas are notorious for refusing prepay-to-credit meter switches for people who have a relatively clean history - even people who were able to convince a bank to lend them tens or hundreds of thousands of pounds for a mortgage - get refused.

    It's not down to any negative factors on the account, and can only be down the fact that, as most suppliers don't report to the CRA's (even if they credit check), most people don't have a history of managing an energy account on their file
    • tenchy
    • By tenchy 12th Jan 18, 1:49 PM
    • 197 Posts
    • 46 Thanks
    tenchy
    • #8
    • 12th Jan 18, 1:49 PM
    • #8
    • 12th Jan 18, 1:49 PM
    EDF also credit check but it is a "soft check ".
    Personally I think EDF are off their rockers not applying "due diligence " in weeding out the "professional "switchers who move to to EDF simply to escape a bad credit trail so they can go ahead and defraud a supplier in racking up large debts then moving onto another property and another identity.
    EDF will pass on all the bad debts onto the rest of us to pay, like many suppliers do.They cannot absorb all these large frauds or they would nt be able to operate at a profit.
    Npower was so bad at billing they were giving away a free years electricity to thousands.They would nt be paying themselves for all this largesse but passing it on to the National Grid to absorb.
    This is allowed to happen on electricity accounts but not gas where all losses have to be repaid to the grid
    Originally posted by House Martin

    EDF doing credit checking (soft) is not my understanding. Do you have a reference for this? They would only be able to credit check if they also reported accounts to the bureaus, which they don't. As to why they don't, it obviously makes business sense not to waste money on having anything to do with credit bureaus. I assume this is because as a supplier they can't suddenly stop servicing you. No doubt their analysis has shown that a relationship with CRA is not cost effective.
    Last edited by tenchy; 12-01-2018 at 2:01 PM. Reason: spell check
    • Michaelw
    • By Michaelw 12th Jan 18, 6:17 PM
    • 92 Posts
    • 24 Thanks
    Michaelw
    • #9
    • 12th Jan 18, 6:17 PM
    • #9
    • 12th Jan 18, 6:17 PM
    Be careful leaving prepayment you might find the unit price rises on standard tarriff.Moving between prepayment and credit on British Gas smart meter did this to me and I am now desperate to get back on prepayment.It can add up to 30p plus a day.
    • anniecave
    • By anniecave 12th Jan 18, 10:08 PM
    • 2,170 Posts
    • 695 Thanks
    anniecave
    Be careful leaving prepayment you might find the unit price rises on standard tarriff.Moving between prepayment and credit on British Gas smart meter did this to me and I am now desperate to get back on prepayment.It can add up to 30p plus a day.
    Originally posted by Michaelw
    There are so many possible non-prepayment suppliers and tariffs and they are many that are much cheaper normally than the pre-payment options. Can you not swap to another supplier or tariff? The standing charge is only one aspect, you need to look at your unit price and other factors such as direct debit discounts as well.
    Indecision is the key to flexibility.
    • anniecave
    • By anniecave 12th Jan 18, 10:25 PM
    • 2,170 Posts
    • 695 Thanks
    anniecave
    I was with First Utility between July 2016 and July 2017 and no credit checks or reporting are showing on my credit file on Experian.

    I moved to Scottish Power in July 2017 (never been in arrears) and there is no reporting or checks listed at all on Experian.

    British Gas reported to Experian (at least) for the brief month I was with them. They were very aggressive with me when I moved in to a new (to me) property with them (Sainsbury's) as existing supplier - they told me either I could be credit checked or I had to sign up on direct debit and were forcing me to chose tariffs over the phone with no time to consider. Needless to say I changed supplier ASAP!
    Last edited by anniecave; 12-01-2018 at 10:26 PM. Reason: correct dates
    Indecision is the key to flexibility.
    • Autumnella
    • By Autumnella 13th Jan 18, 9:04 AM
    • 450 Posts
    • 1,509 Thanks
    Autumnella
    EDF Energy definitely do not carry out any kind of credit check.

    Tbh House Martin, I don't know where you get your information from, I often see you posting incorrect information on here.
    • House Martin
    • By House Martin 13th Jan 18, 9:26 AM
    • 941 Posts
    • 830 Thanks
    House Martin
    EDF Energy definitely do not carry out any kind of credit check.

    Tbh House Martin, I don't know where you get your information from, I often see you posting incorrect information on here.
    Originally posted by Autumnella
    ,
    EDF do credit check, its on record .I will hunt it out and post a link
    https://www.energycompanynumbers.co.uk/your-guide-to-energy-suppliers-and-credit-checks/. They have to check customers who wish to remove a prepayment meter for a credit meter but it is a "soft " external check which does not impact on a persons credit score. and is certainly less stringent than BGs who operate, very rightly, a tough one.
    TBH Autumnella, let me know when you think my info is incorrect.
    Are you trying to say that EDF do not do any background checks at all when a new customer wants to remove a prepayment meter and switch to a credit meter where they can obtain credit of many thousands of pounds?
    .They would be absolutely stupid to do that and negligent to the producers of the energy. Can you prove that ? can you post a link ?
    All suppliers should carry out VERY stringent checks which weed out the "professional " switchers who are out there trying to thieve energy by obtaining a credit meter property so they can rack up massive bills with no intention of ever paying it.
    My info on the energy board is mostly achieved from working over 20 years in the utilities industry ,in the field, and not perched on a chair in a warm office working for EDF.
    EDF are one of these foreign suppliers who DO NOT even run an effective Revenue Protection Unit. The one they use is extremely poor and may as not exist. They allow their customers to fiddle gas and electric and most of the time don t do anything to stop them.
    I was always emailing their RPU office after catching energy thieves with sub meters in place or bypassed meters and most of the time they never responded and the meters were still fiddled 6 months later..There is one famous example , (which went to OFGEM) when a customer with a lethal bypassed electric prepay meter, at ground level where a young child was inches from exposed live connections on a bypassed electric meter.
    When EDF reluctantly and slowly , sent a contracted "engineer " round to the lady occupiers terraced house in Beverly St. Goole, the occupier simply refused him access and he went off never to be seen again ! a year later she was still fiddling the electric meter.That is EDF for you ! Totally negligent. Not worthy of a big 6 suppliers licence IMO
    I have sent complaints into OFGEM many times about how bad EDF are with photos of very dangerous meters which EDF totally ignored.
    Last edited by House Martin; 13-01-2018 at 4:25 PM.
    • tenchy
    • By tenchy 19th Jan 18, 10:46 AM
    • 197 Posts
    • 46 Thanks
    tenchy
    Hi HM - the article at the link you provided is very poor. It is full of inaccuracies and contradictions, and the writer doesn't really know what he's talking about.


    As I understand it, EDF neither credit check new customers nor report accounts to the credit reference bureaus (companies are not allowed to do the former, unless they also do the latter, and EDF certainly don't do the latter). However, if you look at their T&Cs there is mention of credit checks, but no explanation about how they are used. And crucially, they don't name the agencies. I should think the mention of credit reference agencies is to cover EDF in case they decide in the future to start using them. The T&Cs are pretty much industry standard.
    • Michaelw
    • By Michaelw 19th Jan 18, 5:17 PM
    • 92 Posts
    • 24 Thanks
    Michaelw
    I would be careful and do the sums before commiting to credit meters.Eighteen days here on credit is around £27 and the amount is building daily.This has the potential to damage credit scores when debts begin to spiral,further smart meters your hands are entirely at the hands of the supplier who can do as they please refusing requests over the phone to change to prepayment or other actions.They can act without any of your interests from an office in another part of the country even disconnect your supply.
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

210Posts Today

1,691Users online

Martin's Twitter