Orange are not recording my payments!!!

Fantasy00

I have a mobile contract with Orange, since September 09...

They only started recording the payment history on my credit file & they said they cannot add the history from September...

I mean, that's the whole point of paying by direct debit every month- to increase your credit rating. But it's no point if it's not recording.

Can anyone advise on what i can do to recitify this?

Thanks,
Ash.:(

drbesty

I thought the point of direct debit was to make sure you didnt forget to pay, not to increase your credit rating

DarkConvict

Reporting to credit agencies is optional, they do not have to report.

DD is just a means of payment, nothing to do with your credit file. A DD is collected by the the business not paid by yourself, so similar to a SO expect you pick how much is paid.
If you paid manually at the end of the month it would achieve the same result.

Fantasy00

You are entirely missing the point! I said that paying by direct debit every month, increases your credit rating (and of course it's an easy payment method), but how CAN YOU improve your rating if there isn't any payment history on your credit report. In my case, Orange (Mobile contract) are not recording the payments with the CRA. I don't know how else I can upper my rating.

OneADay

arosetti wrote: »

You are entirely missing the point! I said that paying by direct debit every month, increases your credit rating (and of course it's an easy payment method), but how CAN YOU improve your rating if there isn't any payment history on your credit report. In my case, Orange (Mobile contract) are not recording the payments with the CRA. I don't know how else I can upper my rating.

Why have you posted the same question multiple times in about 3 threads (at last count I made) ?

I posted some suggestions in this thread

https://forums.moneysavingexpert.com/discussion/2454455

DarkConvict

I said that paying by direct debit every month, increases your credit rating

No it doesn't, direct debits have no affect on your rating what so ever, since paying by DD is not recorded on your file.

The only thing that matters is if you pay on time, how much you have currently borrowed and how much credit is available and unused, and again as above recording credit history is optional!
As OneADay has pointed out already each creditor scores you differently anyway.

Read up about credit files

MSE Guide - http://www.moneysavingexpert.com/loans/credit-rating-credit-score
Offical Guide - http://www.ico.gov.uk/upload/documents/library/data_protection/practical_application/credit_explained_leaflet_2005.pdf

DCFC79

arosetti wrote: »

You are entirely missing the point! I said that paying by direct debit every month, increases your credit rating (and of course it's an easy payment method),

who told you this information as its a bit of rubiish info

Fantasy00

Everyone tells you this- paying by direct debit increases your credit rating.

DarkConvict

Never heard that before, not from anyone. And i sepnd along time on the debt forums helping out, lots of credit record info their and this has never come up.
Payment type is not recorded on your file, so has no affect.
Look at your file, show us where it says you pay by direct debit?

All that matters is the info in the guides i posted.

baxgttdi

arosetti wrote: »

Everyone tells you this- paying by direct debit increases your credit rating.

Absolute nonsense. As stated above, the only thing that affects your credit rating is payments being made on time or late and arears. Granted, using direct debit means you have less chance of missing as it's automated but, in no way is it connected to your rating.

shellsuit

Who has told you that it increases your credit rating?

I've never heard of it.

The only thing it does do is perhaps knock a few quid off the annual bill.