Take a credit agreement that will affect my score or one that won't?

podrammu

Hey I wanted to make a small credit agreement purchase (via O2) on a product.  I wanted to take a 6 month agreement on the product for £30 per month, however i've seen on amazon the same product is being sold on their 5 monthly instalments plan (slightly more expensive).  My question - is it better to get it via a credit agreement that will affect my score or go via amazon which doesnt (from what I've read).  I don't have an extensive credit history but wanted to keep building it up and wondering if this is a good idea.

Thanks

MovingForwards

Taking out any credit, paying it on time and in full will build credit history (don't use payday loans), if it shows on your credit reports.

The score / rating you see is not seen by lenders as they have their own internal algorithms for scoring applications, which then leads to an accept / decline result.

Edi81

You don’t have a credit score!
you have a credit history but the number is completely fictitious. 

If you have the funds pay upfront for it - don’t pay extra to boost a made up number.