Not Enough Credit For A Power Meter

gc28

Hi All 👋🏻

I've just moved into my first home (Mortgaged) and come to find the last owner had pre-payment/top up gas and electricity meters.

British Gas have just run a credit check on me to see if I'm ok to have standard a credit meter installed, I'm not.

Just checked my Experian rating which shows they don't have enough info on me to check my score.

I have used noodle mostly to check my score which I thought was ok?

Score:628

So what do I do in order to get a credit meter, I could apply for a credit card via my bank as my registered address is still my parents home.

My guess as to why i'm being turned down is most likely that I've not had a credit card for a while, It really makes no sense that I am able to have a mortgage but not a standard power meter!

Any help would be greatly appreciated, thank you.

[Deleted User]

They're not checking your score. They're checking your credit files and especially identity.

What do all three of your credit files actually show?

gc28

I've just checked experian and it's come back with the below:

"We need to do further checks
Thank you for your application, we just need to do some further checks to confirm your identity. This helps to ensure the security of your personal information.
These checks will usually be complete within 5 working days, so please come back to review the outcome of your application."

Suppose I'll keep you updated.

gc28

Deleted_User wrote: »

They're not checking your score. They're checking your credit files and especially identity.

What do all three of your credit files actually show?

Sorry to sound ignorant but can you expand on all three of my credit files?

[Deleted User]

Experian
Equifax (Clearscore)
Call Credit (Noddle)

gc28

Deleted_User wrote: »

Experian
Equifax (Clearscore)
Call Credit (Noddle)

Noodle is 628 with 5/5 credit score
Experian I shall let you know when that comes back.

[Deleted User]

Ignore the scores. They're meaningless.

Look at the data only.

DCFC79

In the financial account info what does it list under Credit cards, other accounts ?

Gives a balance for each 1 and the status for each entry.

datlex

OP contact the complaints department of BG (I did this after the first person would not let me change took a week to sort) or try someone else.

forgotmyname

gc28 wrote: »

Noodle is 628 with 5/5 credit score
Experian I shall let you know when that comes back.

You seem obsessed with the score which only you and the credit company see.

Nobody else will see that number. They want to know that your who you say you are and that you do not have a long list of unpaid bills.

Seems that you have just moved and your identity is in question, were you on the electoral roll in your previous property? And registered somewhere for the last 6 years?

RG2015

Deleted_User wrote: »

Experian
Equifax (Clearscore)
Call Credit (Noddle)

You can also get your full Experian report free every month if you use the MSE Credit Club.