Turning 18 Santander/TSB Account Upgrades Credit Reference Agencies

jamesdude11

Hi,

I will be turning 18 on Saturday 11/7. I have 2 current accounts
1. Santander 123 Mini current account (Formerly Santander Youth Account) Opened September 2009 when I was 12
2. TSB Under 19 Account Opened in April 2015

I want to upgrade both of these accounts to different ones, both banks say there will be a credit check. I received a letter from Santander in April telling me from the 11/07 (My birthday) they would report account information to Credit Reference Agencies. I want to know will Santander report all account information from when I opened the account or just from the day I turn 18. Will this be the same for TSB?
I want to upgrade these accounts as soon as I turn 18 but am worried that I wont have any information on my credit report. I am on the electoral roll, but am concerned that there will only be one month credit history on my credit report.
I want to apply for a phone contract too soon, and am worried about the same thing only have a month or two credit history?

Any Help Or Advice

Many Thanks

Hazzinho

No one has a credit history at 18,you may or may not be accepted, no point in worrying about it,it takes years to build decent credit.

Candyapple

They would only report your history from when you turned 18, and not from when you opened the account.

If you want a phone contract, probably best to wait until you have 6 months’ worth of data reported on your file before applying.