Regarding building my credit score up, if I have direct debits in my name (but the account isn’t in my name) that I make payments for on time (such as Netflix, sky etc). Will this show on my credit report or is it only credit that is in my name that counts, such as phone bills, cars etc
E-on report to the agencies, as do many banks (but not all) and all fgreen ticks are helpful. Make sure you are on the electoral roll too. Many mobile phone companies also report to the agencies. TV licence do not, as far as I am aware, report.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014 http://foggy.blogs.iva.co.uk
Thanks Foggy - yes I’ll get on the electoral roll. I think I’ll have British Gas, sky, tv license and the water bill going to my name. I already have life insurance in my name. My phone contract however isn’t in my name. Is it a good idea to get these things in my name? I’m hoping showing that I can pay these on time will increase my score as I do have a lot of missed payments on my credit file due to coronavirus