Which mobile providers report to ALL THREE major credit reference agencies?

Alex9384

Hi guys.

I'm looking for a SIM-only deal and I want it to go on all my credit reports. I know it doesn't have as much impact as credit cards but I still want it on my files.

What is your mobile provider? Can you see that account on all 3 credit reports?

Thanks!

Carrot007

Seems petty pointless.

However Voda certainly do.

Lot of people don't like them though! But a lot of pople don't like any of them!

Alex9384

I've asked iD mobile via FB message and they said they report to all 3 credit bureaux. However, not sure if I can trust their social media team. Sometimes these people don't give 100% correct info.

Btw, why pointless? Various types of accounts with good history look better on your files then just credit cards and nothing else. True or not?

Carrot007

Alex9384 said:

Btw, why pointless? Various types of accounts with good history look better on your files then just credit cards and nothing else. True or not?

Becuase every application will be treated seperatly and for anything major they won't give two badgers about a phone contract.

Especially a sim only one. And even less if it's a month to month one and not a real contract.

Alex9384

I don't pay utilities or anything else, only credit cards. So I'd like to have at least something more.
There are 12 month contracts as well. But can other lenders see whether it's SIM only or not?  I've learnt on this forum that, for example with credit cards, lenders can't see if it's a subprime card, nor they can see the card issuer. Just credit limit, dates, payment amounts, balances, etc., and also whether it's on promotional rate or not. Is it somehow different with broadband or mobile contracts? Do they see what type of contract you have? Or do they just guess it based on low monthly payment amounts?

Can someone just tell me what a mobile contract looks like on credit files? Or is it a top secret info?

[Deleted User]

They will see the account type, if it's been paid on time and any credit limit assigned to the account.

dr_adidas01

Alex9384 said:

I've asked iD mobile via FB message and they said they report to all 3 credit bureaux. However, not sure if I can trust their social media team. Sometimes these people don't give 100% correct info.

Btw, why pointless? Various types of accounts with good history look better on your files then just credit cards and nothing else. True or not?

I would ignore that they said they report to all 3 CRA’s, they don’t they do report to Experian and Equifax it’s never shown on my TransUnion credit report ever. 

cymruchris

My O2 sim-only deal reports to all agencies.

Nebulous2

Getting Vodafone to stop reporting is the issue. There were regular posts here by people who had cancelled their contract and it was still being reported. The social media guy Lee, who posted here, got it stopped for several people, including me. 

It's started again, however. Last year I applied to transfer my broadband to Vodafone. EE came back and matched the price very quickly, despite saying initially that they couldn't, and I cancelled the switch.  

Vodafone have been giving me a green tick every month since. 

MinuteNoodles

Absolute insanity to miss out on a good mobile phone contract deal just to try to boost a mickey mouse score that no lender uses.

Alex9384

MinuteNoodles said:

Absolute insanity to miss out on a good mobile phone contract deal just to try to boost a mickey mouse score that no lender uses.

I don't care about the score. I do care about my credit history and mobile contract can contribute to it too. And this history is seen by lenders. Having one additional account with nice green "OK" every single month on my reports is definitely a good thing, isn't it? Plus, another direct debit, which is usually a useful thing to have. Most money savers know why.

Miss out??? No thanks, I'm not a typical consumer. I will never buy anything bearing interest, other than a house.
I've never bought a phone on contract in my life and I never will. It's like a car on finance. Don't wanna be overpaying for X years on something that already lost most of its value/price. I bought a brand new phone for myself last Christmas for 250 quids, it's 6.3" display and has everything I will ever need.  Only want the cheapest SIM plan because I don't call anyone (and if I do, it's via FB) and I don't even come close to using 1 GB per month. Usually around 200-300 MB. Browsing on a phone is a pain in the !!!!!! to me, so I do everything on my huge laptop. Some 6-7 quids per month SIM plan will make no much difference from what I pay now on GiffGaff.
iD mobile had something for 4 quids per month which would be fine for me, but it looks like it's no longer on offer.