Experian Credit Report

sam222

hi there

is the Experian credit report has to show that you have mobil or land line contract and you pay them by direct debit?

#also are these are good for your credit score?

(i checked my summery credit report on line, doesn't show anything dispite been paying them for 6 mon)


many thanks

grumbler

Mobile companies normally report to CRA(s), but not necessarily to all of them.
Method of payment is not reported.
Yes, this helps with building a credit history.

Re a landline, AFAIK reporting from utilities companies is pretty patchy yet: Water bills to be added to credit reports

The_Boss

sam222 wrote: »

hi there

is the Experian credit report has to show that you have mobil or land line contract and you pay them by direct debit?

#also are these are good for your credit score?

(i checked my summery credit report on line, doesn't show anything dispite been paying them for 6 mon)


many thanks

How did your summery report compare with your wintery or springy report?

JohalaReewi

sam222 wrote: »

is the Experian credit report has to show that you have mobil or land line contract and you pay them by direct debit?

No.

Experian will only show stuff they have been told about.
Companies that give you credit are the only ones who can tell Experian this stuff, but they don't have to.
So if your mobile company doesn't tell Experian about your account, Experian won't show it on your credit report, and you can't make them.