credit check for energy supply

jim50

Hello, new on here so although I have checked, apologies if this has been covered before. I was previously in a council property with a pre-payment meter. Due to domestic situation I have had to move to private rented with a credit meter. NPower are the suppliers and have put me on their most expensive tariff. Been on to the comparison websites but both NPower and another have refused my switch due to poor credit rating. I checked my rating and it is "poor" not "very poor" Am I doomed to not getting a decent energy price ? Do any suppliers avoid credit checks. Any advice welcome please.

luvchocolate

I was with British Gas who did not check, but when I applied to switch to first utility they did a credit check and I was asked for a £300 deposit to be refunded after 6 months of paying each month.

Robin9

nPower can put you onto their "best" tariff - ring them and ask to be transferred.

ChaunceyGardiner

Switch to EDF, wait 28 days, then request credit meters. They aren't too choosy.

SpotlandRules

Scottish Power do not credit check, or they did not with me

nPower

jim50 wrote: »

Hello, new on here so although I have checked, apologies if this has been covered before. I was previously in a council property with a pre-payment meter. Due to domestic situation I have had to move to private rented with a credit meter. NPower are the suppliers and have put me on their most expensive tariff. Been on to the comparison websites but both NPower and another have refused my switch due to poor credit rating. I checked my rating and it is "poor" not "very poor" Am I doomed to not getting a decent energy price ? Do any suppliers avoid credit checks. Any advice welcome please.

Hi jim50

Thank you for posting, I'm sorry to hear you are experiencing problems with your account. I will be happy to take a look at this if you would like to send me an email (using the address from my profile) with your account details.

Thanks

Vicky

dogshome

n'power, in common with all suppliers, have the authority to refuse a Switch if there is debt on the account - Not a rule, but generally accepted that a £200+ debt triggers a Switch refusal, but in the end it's up to the supplier.

Some suppliers run a strict credit check, (Brit. Gas are one), when approached by a customer who wants to Switch to them, others don't - However all Switch attempts will be frustrated if n'power say NO.

To be on n'powers expensive 'Standard Tariff' suggests you are on a pay-on-reciept-of-bill tariff, so it's not surpising that n'power won't sanction a Switch as at any one time you will owe them money.

If you have a bank account, it would better if you changed your present n'power tariff for one on which you pay by monthly Direct Debit, it will be cheaper and build up a credit score with n'power

datlex

luvchocolate wrote: »

I was with British Gas who did not check, but when I applied to switch to first utility they did a credit check and I was asked for a £300 deposit to be refunded after 6 months of paying each month.

Strange I had a credit check when I changed from prepay to credit a fee years back with British Gas. I guess it depends on their policy at the time.

footyguy

jim50 wrote: »

Hello, new on here so although I have checked, apologies if this has been covered before. I was previously in a council property with a pre-payment meter. Due to domestic situation I have had to move to private rented with a credit meter. NPower are the suppliers and have put me on their most expensive tariff. Been on to the comparison websites but both NPower and another have refused my switch due to poor credit rating. I checked my rating and it is "poor" not "very poor" Am I doomed to not getting a decent energy price ? Do any suppliers avoid credit checks. Any advice welcome please.

Hello, and welcome to MSE. :hello:

I'm sorry, but I fail to understand your post.
If you are currently supplied by nPower, there is no need to switch to them.
No supplier will credit check you to move away, if that is what you mean (although they may block a switch request if you owe them money)

There is no credit check by any supplier to transfer to another tariff with that supplier (except if you are changing from PPM to credit)

I suggest you take up the offer provided by Vicky @ nPower above, as something does indeed seem amiss.

Personally, I would avoid any creditor that extends credit without any checks as their prices will have to be very high to cover the inevitable losses they will incur.
Think credit cards for those with bad credit, payday loans, etc
(Even they credit check and avoid those who are too high risk)

Good luck!

Adam_kaan

You will be accepted by edf energy green star Octapus energy utilita pay n go smart meter tariff
If you want to pay monthly DD Octapus will give you best deal out of them 4
If you want to pay budge payment card green star
And pay n go utilita is best
Only edf utilita offer warmhome discount