Credit Accounts i pay for in someone else's name

Smithh

Hi Guys,

I'm currently 23 and and after a silly few years in 2012-2013 I wound myself up into having a few defaults. Which are all satisfied now as I've learned from my silly mistakes.
Due to my credit situation a few years ago I wasn't really able to take credit out anywhere, so my grandad offered to help me out as he was my guardian growing up, looking after me from the age of 6. I took a mobile phone contract out in his name in September 2014, since then I have made regular payments on that and the same contract is still going, also I had car insurance monthly instalments in his name from January last year which again I paid all on time.
Unfortunately my grandad passed away in April this year which broke my heart and has left a massive hole in my life. Regarding these two credit accounts, if I get them moved over to my name now, would they show up on my credit report as being new agreements, or would they show as being agreements from the genuine start date? I wish I could've initially put these in my name because my credit score would be looking a lot better now.
Sorry about the long post but I'm finally starting to get my credit on the right track, would love some advice!

Thanks all for reading,

[Deleted User]

Credit agreements can't be transferred. The accounts need to be closed and you will need to make your own application.