Credit Score help - Active Credit Accounts??

catglaz

Hi, looking for some help. Sorry if this question has already been asked.

I singed up to Experian to see what my credit accounts look like, and it only shows one, which was from 3 years ago, which is now closed. However my current phone contract does not show as an active account. Also, I had been paying electricity (npower) and line rental (sky) bills via direct debit for over a year now, which i presumed would contribute to a good score but do not show up.
It also tells me I'm not registered on the electoral roll, even though i registered when i moved into my flat a year ago. could it be that it still has me linked to an old address?
Do only some direct debits show up, or is it to do with how i pay them?

Thanks in advance!

Willing2Learn

Hi and welcome to the forum

Have you checked the data held by all three CRAs, or only with Experian?

Also, I don't think all utility and phone companies report to the CRAs.

You are confused if you think direct debits will show on your credit files.

[Deleted User]

Sky and N-Power don’t report to CRA’s.

Direct Debits and savings and account balances etc. are not shown unless you’re in an overdraft.

Who is your phone contract with?
It’s no pay as you go is it?

Also pay no attention to the score or any intentions of improving it - it’s not something seen or used be lenders.

MovingForwards

Please say it's the free one you are using.

Join:

Credit karma (used to be Noddle)
Clearscore
MSE credit Club

All are free to view and will hold different information as different providers report to different credit reference agencies.

[Deleted User]

!!! wrote: »

Sky and N-Power don’t report to CRA’s.

Direct Debits and savings and account balances etc. are not shown unless you’re in an overdraft.

Who is your phone contract with?
It’s no pay as you go is it?

Also pay no attention to the score or any intentions of improving it - it’s not something seen or used be lenders.

I thought n-power did - at least, they used to. Sky definitely used not to, but I don't know now.

JohnMl88

N-power reports to experian

jimbo26

Sky definitely do not report TV subscription to any CRA

Remortgage_wannabee

Npower reports to Experian. I’ve just found this out as was one of factors in being turned down for a debt consolidation remortgage - I hadn’t disclosed the npower debt- it hadn’t even occurred to me to mention it as thought we were just talking overdrafts and credit cards but bank said any utilities debit should have been disclosed.
Anyway I’m on a plan with npower to pay off the excess amount - was approx 1029 last month and in my credit report. - today I checked and I now owe 880 so great - in right direction. However I checked my credit report, it was updated today and says I now owe 1050 ie it actually makes me look as if I am going further into debt rather than tackling it.
Spent an hour on phone to npower and got nowhere but discovered that:
-about a year ago there was apparently message put out to their staff to remember to tell folk that if they make an ‘arrangement to pay’ outstanding bills then this will show on their credit file
- the reasons the payment is higher is that although dated 23 rd June 201@ (!) they only submit the balance from about a month ago.

This seems nuts and doesn’t seem in keeping with treating customers in energy debt fairly ..


Thoughts?

[Deleted User]

It’s fair.

You owe them money.
They’re reporting it.

Now is it not fair?

gionnetto

MovingForwards wrote: »

Please say it's the free one you are using.

Join:

Credit karma (used to be Noddle)
Clearscore
MSE credit Club

If your credit history is shorter than 3 years, only MSE credit club/experian can be used. All the "free" one do not provide access to your score unless you have at least 3 years of credit history.

Willing2Learn

gionnetto wrote: »

All the "free" one do not provide access to your score unless you have at least 3 years of credit history.

Since lenders neither use nor see your CRA credit score, it makes the 'score' irrelevant. All that matters is the accuracy of the data held in your credit file, together with the building of a positive account management history.