Credit check failed for transfer from pre-payment to credit meter with utilita

panda129

I recently bought a new house where the existing energy meter payment option is pre-payment, and when I tried to change it to a credit meter I failed the credit check. I checked transunion (the credit agency used by utilita) which sent me to checkmyfile when I tried to find my credit score (I presume checkmyfile is part of transunion?). I have now come to find out I have a score of 620 with checkmyfile while its 932 on experian (and 462 on equifax). I have had an account with experian for a long time now and assumed I have been doing good, especially since I have never had an issue with any applications requiring credit check. 

Here a few more of my financial details:
1. I have got a mortgage (along with my wife) earlier this month (May 2024) which was approved without any issue.
2. I have had a car loan for nearly two years now with one more payment remaining to clear off the loan.
3. I have always paid for my energy bills through direct debit.
4. I have a mobile phone, TV and broadband connections all paid through direct debit.
5. Even the council tax is paid through direct debit.
6. I have never defaulted or delayed any of these payments.
7. There doesn't seem to be any fraudulent activity on my accounts. 


Now to my concerns/queries:
1. Would anyone know what could cause such a large discrepancy between scores from the three agencies? (I am aware their data collection and reporting methods are different, but this seems too large a difference).
2. Does the refusal of transfer from pre-payment to credit meter go on my credit report? And will it affect future applications?
3. Should I be concerned with the low scores with the two agencies?
4. (Maybe this question is in the wrong section, maybe should be asked in energy section of the forum) If I switch suppliers, will I automatically be put on their pre-payment option or will I be able  to start on credit meter? And will the refusal from utilita affect the decisions of other energy suppliers?

Thank you in advance!  

MEM62

panda129 said:

1. Would anyone know what could cause such a large discrepancy between scores from the three agencies? (I am aware their data collection and reporting methods are different, but this seems too large a difference).

Nobody can answer that on the basis that they are made up number with no real-world meaning.  Only you and the CRA sees them - lenders do not.  (Read "What your credit score really means".  It is the first post)  It is the data on your credit history that is important and you need to check that for any negative factors.     

Nasqueron

You do not have a credit score in the UK, ignore the fake number and just keep an eye on your report for anything incorrect - the file is what is sent to lenders who do their own scoring - you will never see this