northumbrian water not on file

northernstar007

hi all, 1st posting i lost my previous acc under same name
anyway, been a great reading this forum and thank you all 
ive looked at my free file and its really is perfect not 1 late payment defaults etc etc credit avail 25k debit on freecard 3.5  will be paid off by xmas and all closed accounts paid and excellent 
only thing i would say wouldnt go a a miss is i pay my water bill with northumbrian water in full straightaway every 6mths and its not a listing on any of the files
ive looked on nwl site and it says they do report the accounts to the cra, so shall i chase them up and ask them to start reporting it or just leave it as my file is very healthy anyway 

[Deleted User]

I wouldn't worry.

Try to get your debt down as that makes your file look a lot less than perfect.  Aim to just be using a few credit cards, clearing in full each month so that lenders view you more positively.

Also remember to check all three files.

northernstar007

cheers zx , yeah the 3.5k has been getting hit no worries there soon be crimbo and on 0% saved a bomb
can i just say to everyone that has a poor file, i now have a gleaming 1, in the late 90s early 2000s i had default after defaults and ccjs it was my own doing was about 4-5k in debt then it was a lot, slowly and surely everything started dropping off, past few years now no probs with credit always pay at least the min on payday on every bill, aim for that 0% 

[Deleted User]

My Northumbrian Water account does not report to any CRA and I pay on receipt of bill every 6 months (water meter).

Frankly I avoid utilities (leccy, gas, broadband, etc) that report to CRA as it messes it up if you switch often. Although you have no choice over who your water supplier are. 

D3xt3r5L4b

Deleted_User said:

My Northumbrian Water account does not report to any CRA and I pay on receipt of bill every 6 months (water meter).

Frankly I avoid utilities (leccy, gas, broadband, etc) that report to CRA as it messes it up if you switch often. Although you have no choice over who your water supplier are. 

Messes it up?

[Deleted User]

D3xt3r5L4b said:

Deleted_User said:

My Northumbrian Water account does not report to any CRA and I pay on receipt of bill every 6 months (water meter).

Frankly I avoid utilities (leccy, gas, broadband, etc) that report to CRA as it messes it up if you switch often. Although you have no choice over who your water supplier are. 

Messes it up?

Having loads of closed utility accounts that hang around for 6 years after you left them.

nick74

Deleted_User said:

D3xt3r5L4b said:

Deleted_User said:

My Northumbrian Water account does not report to any CRA and I pay on receipt of bill every 6 months (water meter).

Frankly I avoid utilities (leccy, gas, broadband, etc) that report to CRA as it messes it up if you switch often. Although you have no choice over who your water supplier are. 

Messes it up?

Having loads of closed utility accounts that hang around for 6 years after you left them.

But do potential lenders care? I have loads of old utility accounts on my file and it's never stopped being accepted for any credit I've applied for. 

Shakin_Steve

Deleted_User said:

My Northumbrian Water account does not report to any CRA and I pay on receipt of bill every 6 months (water meter).

Frankly I avoid utilities (leccy, gas, broadband, etc) that report to CRA as it messes it up if you switch often. Although you have no choice over who your water supplier are. 

There are companies that will take your energy use details and automatically switch you to a better deal every year, should one be available. You should definitely avoid those if you're worried about closed accounts.

D3xt3r5L4b

Deleted_User said:

D3xt3r5L4b said:

Deleted_User said:

My Northumbrian Water account does not report to any CRA and I pay on receipt of bill every 6 months (water meter).

Frankly I avoid utilities (leccy, gas, broadband, etc) that report to CRA as it messes it up if you switch often. Although you have no choice over who your water supplier are. 

Messes it up?

Having loads of closed utility accounts that hang around for 6 years after you left them.

So not messing it up at all then...

bradders1983

No lender is going to give a stuff that you change energy provider every year, especially if all are reporting you never missed a payment, what a ridiculous thing to suggest. 

[Deleted User]

I didn't say anything about who gives a stuff. I just don't want to see a crappy utility account 5 and half years after I left them, especially if I was only with them for a year.