Which payments are improving my credit rating?

StarGazer85

Hi there, sorry if this is a silly post but I am new to this particular forum.
i am wanting to improve my credit rating (no serious issues but I am worried that I may have 'no credit rating' as I don't use credit cards etc.). I have got a credit card and will use that to improve my score but just wondering about if any of these things are passed on to credit reference agencies?
Car PCP monthly payments
Mobile phone contract payments
Broadband - monthly
Council tax - monthly
Car insurance - yearly
Water, energy - monthly
What do you think? Thank you in advance.

boo_star

Only your car finance and mobile phone contract are likely to appear on your credit file.

GM1880

Depends on the Utility provider. Thanks Water & British Gas appear on mine. EDF never did though.

Mobile Phone contracts I think often appears as a loan, so that!!!8217;d probably be
the main one of those and PCP

[Deleted User]

You’re right - you don’t have a credit rating. Or a score. No one does.

It’s made up by the CRA’s.

You need to focus on improving your credit history and managing credit sensibly.

Nebulous2

Register with the 'free' credit reference agency checking services and see which accounts they know about. MSE credit club might be a reasonable starting point. My mobile phones are certainly reported.

Lauralou79

United utilities( water) does appear on mine with clear score . So some utilities do report to CRA. Get your free reports and have a look at your history to see who reports.