Why is it not on my file?!

cici71

I took a phone contract out and was paying monthly for my son. A year later my sons father offered to continue to pay the monthly bill. I rung the provider and just gave them new bank details. He has now been paying this for over a year. As the contract is in my name I'm guessing I'm responsible? If he misses a payment I would assume it would affect my credit file? I've just logged on to my financial information on my credit file which has everything I pay on there. Virgin media is not even on there?!! So if another person is paying the bill it doesn't affect my credit file if they miss a payment?

YorkshireBoy

cici71 wrote: »

I've just logged on to my financial information on my credit file

There are 3 credit reference agencies. What about the other 2?

cici71

I haven't looked on the other 2. Had my free trial with both ages ago and I need to sign up properly and didn't really want to do that. Surely a monthly bill would show up on all 3 ?

YorkshireBoy

Not necessary to "sign up". £2 to each for a statutory copy is all you need to do to be sure.


Sounds like you're only checking Noddle? Whilst they have all my current accounts and credit cards listed, they don't have my mobile pay monthly SIM only contract listed.

B_G_B

cici71 wrote: »

Surely a monthly bill would show up on all 3 ?

My mobile (BT) is only reported to Equifax.

enfield_freddy

virgin does not show on noodle

cici71

If I pay the £2 option will it show whether any payments were missed ?

YorkshireBoy

cici71 wrote: »

If I pay the £2 option will it show whether any payments were missed ?

The detail reported is the same, whether you pay a subscription for the service, get it for free, or pay £2 for a one-off report.