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How much impact does an energy account have?
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sleepyjones
Posts: 6,092 Forumite

Hey folks.
I'm with Bulb energy, who don't currently report to the CRA's, No reason to switch at the moment, seems cheap and does the job but I was wondering ...
It is worth switching supplier to a (perhaps slightly more expensive) company that does report so that I can get the positive markers on my file, or would it not really make much difference?
I've got a credit card which is all good, but that's about it. I'm concerned that I don't have enough active accounts on my file, I've got Virgin media for Phone / Internet and Mobile, who I don't see reporting (but have heard that they do but I see no mention of Virgin on my files). Gas and Elec' with Bulb who don't report, Netflix, Amaon Prime who don't report ... it's just all these accounts that I have and pay on time every month but none of them seem to be reporting, so I wonder if I'm doing myself a disservice by not having these good markers on my file? ... and if it's worth switching, at least some of these, to providers that do report.
Thanks
PS ... No rent, no mortgage, so no markers there either!
I'm not looking to get credit in the future or anything, it's more just for piece of mind that I know it's in good standing should the need ever arise.
I'm with Bulb energy, who don't currently report to the CRA's, No reason to switch at the moment, seems cheap and does the job but I was wondering ...
It is worth switching supplier to a (perhaps slightly more expensive) company that does report so that I can get the positive markers on my file, or would it not really make much difference?
I've got a credit card which is all good, but that's about it. I'm concerned that I don't have enough active accounts on my file, I've got Virgin media for Phone / Internet and Mobile, who I don't see reporting (but have heard that they do but I see no mention of Virgin on my files). Gas and Elec' with Bulb who don't report, Netflix, Amaon Prime who don't report ... it's just all these accounts that I have and pay on time every month but none of them seem to be reporting, so I wonder if I'm doing myself a disservice by not having these good markers on my file? ... and if it's worth switching, at least some of these, to providers that do report.
Thanks
PS ... No rent, no mortgage, so no markers there either!
I'm not looking to get credit in the future or anything, it's more just for piece of mind that I know it's in good standing should the need ever arise.
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Comments
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Please stop being obsessed with your credit files, the only disservice your doing is to other companies profits by being savvy !!
I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter0 -
If people weren't obsessed with their credit files, you'd be out of a Voluntary Board Guide job0
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sleepyjones said:If people weren't obsessed with their credit files, you'd be out of a Voluntary Board Guide job
Lol, plenty to do i can assure you, i get that you want to be seen to be able to manage your credit well, but you simply cannot make yourself attractive to every lender, as they all have very different qualifying criteria, you can end up driving yourself nuts just trying.
I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter2 -
Don't change to a more expensive supplier just to get a credit score that no lender uses. Never spend a single penny extra to do it, especially when you have no plans of borrowing.
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