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  • FIRST POST
    • Wjs95
    • By Wjs95 17th Apr 18, 1:20 PM
    • 8Posts
    • 0Thanks
    Wjs95
    Will another phone contract hurt my rating?
    • #1
    • 17th Apr 18, 1:20 PM
    Will another phone contract hurt my rating? 17th Apr 18 at 1:20 PM
    Hi, I recently watched Martin Lewis talk about a lady who couldnít get a mortgage because she had an old phone contract registered at an old address.
    It got me thinking that I have 2 phone contracts coming out of my account on EE( mine and my younger sister) due to parents having bad credit and not being able to have it in their name.
    I have since moved into my own place but the account is still registered at my parents address. I will be changing mine to my new address, but having my sisters on there will still be at my parents. Will this affect my credit rating as I want to apply for a credit card, thanks
Page 1
    • zx81
    • By zx81 17th Apr 18, 1:28 PM
    • 18,644 Posts
    • 19,901 Thanks
    zx81
    • #2
    • 17th Apr 18, 1:28 PM
    • #2
    • 17th Apr 18, 1:28 PM
    If the contracts are yours, then your sister's address doesn't matter.
    • Wjs95
    • By Wjs95 17th Apr 18, 1:29 PM
    • 8 Posts
    • 0 Thanks
    Wjs95
    • #3
    • 17th Apr 18, 1:29 PM
    • #3
    • 17th Apr 18, 1:29 PM
    So would I be better changing both contracts to my new address, or keeping them separate?
    • zx81
    • By zx81 17th Apr 18, 1:31 PM
    • 18,644 Posts
    • 19,901 Thanks
    zx81
    • #4
    • 17th Apr 18, 1:31 PM
    • #4
    • 17th Apr 18, 1:31 PM
    Best to change them to your address so that you can monitor any statements etc.
    • Wjs95
    • By Wjs95 17th Apr 18, 1:36 PM
    • 8 Posts
    • 0 Thanks
    Wjs95
    • #5
    • 17th Apr 18, 1:36 PM
    • #5
    • 17th Apr 18, 1:36 PM
    Thanks, and one last thing...
    Is there anything else that I absolutely have to change to my current address I.e. driving license and passport, as they!!!8217;re still at my parents address. I!!!8217;ve changed my bank and registered into the electoral roll
    • zx81
    • By zx81 17th Apr 18, 1:42 PM
    • 18,644 Posts
    • 19,901 Thanks
    zx81
    • #6
    • 17th Apr 18, 1:42 PM
    • #6
    • 17th Apr 18, 1:42 PM
    Driving licence should certainly be changed.

    But I would change everything.
    • Gary_Dexter
    • By Gary_Dexter 17th Apr 18, 1:44 PM
    • 2,123 Posts
    • 1,185 Thanks
    Gary_Dexter
    • #7
    • 17th Apr 18, 1:44 PM
    • #7
    • 17th Apr 18, 1:44 PM
    Any form of ID or contract, accounts etc. you have should be changed to your current address.

    PS - you have no score or rating to damage or hurt
    • Wjs95
    • By Wjs95 17th Apr 18, 1:51 PM
    • 8 Posts
    • 0 Thanks
    Wjs95
    • #8
    • 17th Apr 18, 1:51 PM
    • #8
    • 17th Apr 18, 1:51 PM
    Ok Iíll get everything changed over just to be sure.

    & my score is 792 out of 999, what makes you think I donít have a score? Lol
    • zx81
    • By zx81 17th Apr 18, 1:52 PM
    • 18,644 Posts
    • 19,901 Thanks
    zx81
    • #9
    • 17th Apr 18, 1:52 PM
    • #9
    • 17th Apr 18, 1:52 PM

    & my score is 792 out of 999, what makes you think I donít have a score? Lol
    Originally posted by Wjs95
    It's a fake score from the CRA. It doesn't measure credit worthiness.
    • Wjs95
    • By Wjs95 17th Apr 18, 1:55 PM
    • 8 Posts
    • 0 Thanks
    Wjs95
    Is this the score you get from Experian on the CreditClub on this site?
    • zx81
    • By zx81 17th Apr 18, 1:58 PM
    • 18,644 Posts
    • 19,901 Thanks
    zx81
    Yes, the same one.
    • Wjs95
    • By Wjs95 17th Apr 18, 1:59 PM
    • 8 Posts
    • 0 Thanks
    Wjs95
    So how can I find out an accurate credit score? And find out credit worthiness?
    • zx81
    • By zx81 17th Apr 18, 2:04 PM
    • 18,644 Posts
    • 19,901 Thanks
    zx81
    There aren't any - credit scores aren't used in the UK.

    Lenders review the data on your files and make their own decisions.

    What you need to do is to check your own reports and ensure everything is in order and take a common sense view on anything that looks negative - eg missing payments, maxing out a credit card.
    • Gary_Dexter
    • By Gary_Dexter 17th Apr 18, 2:13 PM
    • 2,123 Posts
    • 1,185 Thanks
    Gary_Dexter
    So how can I find out an accurate credit score? And find out credit worthiness?
    Originally posted by Wjs95
    You don't. And you don't.

    Lenders make decisions on you based on your credit history on your credit files.
    • Wjs95
    • By Wjs95 17th Apr 18, 2:14 PM
    • 8 Posts
    • 0 Thanks
    Wjs95
    The only negatives I see on here are that I!!!8217;m not a homeowner, and that I have contracts and credit on things that are relatively new.
    When I moved in I got the bed and couch on credit, and bt broadband all in my name.
    • Wjs95
    • By Wjs95 17th Apr 18, 2:18 PM
    • 8 Posts
    • 0 Thanks
    Wjs95
    I won!!!8217;t take any notice of the !!!8216;you have 80% chance of getting a top 0% spending card!!!8217; either then.
    • zx81
    • By zx81 17th Apr 18, 2:25 PM
    • 18,644 Posts
    • 19,901 Thanks
    zx81
    The eligibility checkers are not too bad, as they use basic lender criteria.
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