Which bills won't improove my credit files

halkineso

Hello, we're moving next week and I want to take all most worthy bills on my name to improve my credit files.

Which bills won't affect my files at all? Like broadband etc.

I'm thinking to take these bills:
Council tax
Electricity bills
Gas bills
Water bills

What about broadband, TV licence?

Thanks guys for help :beer:

HappyMJ

halkineso wrote: »

Hello, we're moving next week and I want to take all most worthy bills on my name to improve my credit files.

Which bills won't affect my files at all? Like broadband etc.

I'm thinking to take these bills:
Council tax
Electricity bills
Gas bills
Water bills

What about broadband, TV licence?

Thanks guys for help :beer:

They will affect your credit if you don't pay them.

Having them and paying them on time doesn't improve your credit file. If you've got poor credit then you need a credit card....a rubbish credit card with an astronomical APR and you need to use it. To avoid actually paying any interest it needs to be paid in full every month.

You don't get a choice regarding the council tax it should be in joint names as you are both jointly liable for the bill.

I've put all the bills in my non-working partners name who has rubbish credit. I pay the rent and council tax from my account and my partner pays the bills from her account which also has an overdraft.

The only one that has appeared on her credit report is TalkTalk.

halkineso

My score is actually quite good. I'm already using credit card. I thought these bills would improve my score a little bit.

HappyMJ

halkineso wrote: »

My score is actually quite good. I'm already using credit card. I thought these bills would improve my score a little bit.

It will reduce it in the short term. Anything that goes on to your credit report reduces your score by just a little bit even a soft search which lenders can't see but the CRA's who create your score can.

Moving is going to reduce your credit score too.

Does your "score" really matter? Mine is 556 on Noddle which is very poor but my credit is actually quite good despite what Noddle thinks. I still get loans at great rates and credit cards at 0%.

DCFC79

halkineso wrote: »

My score is actually quite good. I'm already using credit card. I thought these bills would improve my score a little bit.

Your score isn't of any relevance, lenders don't see it.