Energy Bill and credit file

ashp_2

BaileyMoselle wrote: »

Many thanks ashp for your kind reply. I will check with experian in a couple of months.

Best of luck. I think you will be fine.

Just to clarify as I didn't explain to well above. You will have to pay for your Experian report. If you get the Money Saving expert credit report in a couple of months which is free this will show if you have any late payments on your Experian report.

GingerBob_3

If you were about to be applying for a mortgage this oversight could have blacklisted you. However, it may only have a small effect now. Your best bet is to use a provider that doesn't report you to the CRAs. At the moment some of the smaller providers don't do so, and of the big six you've only got EDF that doesn't (I had heard that SSE only report 'defaults' - not sure how they would define this).


@ashp - do you know the nature of reporting by SSE?

ashp_2

GingerBob wrote: »

If you were about to be applying for a mortgage this oversight could have blacklisted you. However, it may only have a small effect now. Your best bet is to use a provider that doesn't report you to the CRAs. At the moment some of the smaller providers don't do so, and of the big six you've only got EDF that doesn't (I had heard that SSE only report 'defaults' - not sure how they would define this).


@ashp - do you know the nature of reporting by SSE?

Yes I think your correct, I believe 3 months of arrears is deemed as a default but not 100% on that so I don't think they will mark a late payment.

Paul_01

I was with SSE up until quite recently, and they do not appear on any of my credit files.

As stated above, they may only report defaults. As yours is only a (marginally) late payment, I doubt you have anything to worry about.

BaileyMoselle

Paul_01 wrote: »

I was with SSE up until quite recently, and they do not appear on any of my credit files.

As stated above, they may only report defaults. As yours is only a (marginally) late payment, I doubt you have anything to worry about.

I hope you are correct here Paul. I have ordered a smart reader to be installed. Going forward I am going to get a direct debit arranged so that the exact amount owed can be taken from my bank account.

BaileyMoselle

GingerBob wrote: »

If you were about to be applying for a mortgage this oversight could have blacklisted you. However, it may only have a small effect now. Your best bet is to use a provider that doesn't report you to the CRAs. At the moment some of the smaller providers don't do so, and of the big six you've only got EDF that doesn't (I had heard that SSE only report 'defaults' - not sure how they would define this).


@ashp - do you know the nature of reporting by SSE?

Thanks GingerBob. I accept my fault on this one. I am a bit upset however that the estimated bill was dated December 20 and I did not receive it in the post until January 3. I try and pay all bills within 14 days of receiving them. In this case I simply didn't check the date the bill was created. Oh well - live and learn.

[Deleted User]

I wouldn't overly worry.

At worst it is a late payment. There's no such thing as blacklists, and the impact of the late payment - if it is recorded at all - will reduce over time.

Ben8282

BaileyMoselle wrote: »

Hi,
I paid paid the bills over the phone last Friday but received the reminder letters last Saturday - a day after paying the bill .

When would you imagine the letters were generated, printed, posted .....
The letters would have been in the post already when you paid the bills so that is why you received them.

BaileyMoselle

Ben8282 wrote: »

When would you imagine the letters were generated, printed, posted .....
The letters would have been in the post already when you paid the bills so that is why you received them.

Yes that is what I concluded also.