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    • user18
    • By user18 12th Feb 18, 10:15 AM
    • 16Posts
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    user18
    Credit score when moving house
    • #1
    • 12th Feb 18, 10:15 AM
    Credit score when moving house 12th Feb 18 at 10:15 AM
    I have just started a new mortgage (first time buyer) and have now set up a TV licence direct debit and created an account for monthly direct debit for the current utility provider / water at the property. I now want to switch energy providers for a fixed rate deal as well as getting some furniture on finance (0% interest) for 18 months. However I am worried about all these checks on my credit score in a short amount of time although these are really necessities when moving house so will need to add these. Will these have a massive impact on my credit score? Where is best to get a report on my credit score? My partner and I have never had an issue with our credit score and each have a credit card we pay off in full each month to build credit score historically.
Page 1
    • zx81
    • By zx81 12th Feb 18, 10:18 AM
    • 16,460 Posts
    • 17,511 Thanks
    zx81
    • #2
    • 12th Feb 18, 10:18 AM
    • #2
    • 12th Feb 18, 10:18 AM
    Ignore the credit score. No one sees it and it's made up.

    It's unavoidable to get a few searches when moving house. Nothing to be overly concerned about, and in a few months they will have minimal impact.

    Do what you need to do.
    • user18
    • By user18 12th Feb 18, 10:20 AM
    • 16 Posts
    • 0 Thanks
    user18
    • #3
    • 12th Feb 18, 10:20 AM
    • #3
    • 12th Feb 18, 10:20 AM
    Thanks, I thought that was the case!
    • DCFC79
    • By DCFC79 12th Feb 18, 10:44 AM
    • 31,463 Posts
    • 19,868 Thanks
    DCFC79
    • #4
    • 12th Feb 18, 10:44 AM
    • #4
    • 12th Feb 18, 10:44 AM
    There 3 agencies you can get your report from, they all have at least an alternative thats free to get your report. Remember your report is what lenders can see.

    If you get rejected for something be wary to not keep on applying as your report will be littered with searches.
    Can people stop loaning money/being a guarator to family/friends, it rarely ends well and you lose out as your money is gone or you get shafted with being a guarantor.
    • tenchy
    • By tenchy 12th Feb 18, 11:34 AM
    • 360 Posts
    • 109 Thanks
    tenchy
    • #5
    • 12th Feb 18, 11:34 AM
    • #5
    • 12th Feb 18, 11:34 AM
    I have just started a new mortgage (first time buyer) and have now set up a TV licence direct debit and created an account for monthly direct debit for the current utility provider / water at the property. I now want to switch energy providers for a fixed rate deal as well as getting some furniture on finance (0% interest) for 18 months. However I am worried about all these checks on my credit score in a short amount of time although these are really necessities when moving house so will need to add these. Will these have a massive impact on my credit score? Where is best to get a report on my credit score? My partner and I have never had an issue with our credit score and each have a credit card we pay off in full each month to build credit score historically.
    Originally posted by user18

    You can take steps to minimise hard searches, but in your case it may be too late if you've already actioned some of the points mentioned. So ...


    TV licence isn't relevant for credit searches.


    Don't inform the water company about pervious addresses and don't give them any personal information. They won't then know who to search.


    Ditto the incumbent utility provider. Then move to EDF, who don't have a relationship with the credit bureaus, so no search there.
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