Advice on if a new phone contract will effect my Experian score?

[900se]

Hi,

 

Not sure if this is the best forum for this question - sorry if it isn't.

 

I recently checked my credit score with Experian and it was poor! This was down to taking out a loan and a new credit card 6 months ago to cover a wedding - and also I have no property in my name (it's in my wife's name),

 

The advise on the Experian site was to not apply for any credit for the next 6 months and to reduce the outstanding debt as much as possible.

 

Now, it's time to upgrade my phone (monthly contract) but I'm worried that this will involve a new credit check and could mess up attempts to improve my score.

 

Does anyone know if I stay with my current phone company but upgrade to a new phone and contract will effect my score? And if moving over to another phone company would result in re-scoring too?

 

Thanks

[Dizzle]

Whether your existing phone company do a new search is down to them, they might only do a soft search.

 

A new phone company WILL search your credit file and this will be recorded.

[maroondevo52]

Hi,

 

I've got a garbage credit score and never have any probs getting an upgrade on contracts. I'm with Vodafone and had the contracts for donkeys years.

[900se]

Hi,

 

I've got a garbage credit score and never have any probs getting an upgrade on contracts. I'm with Vodafone and had the contracts for donkeys years.

 

 

Thanks - but it's not getting the contract I'm worried about - it whether applying for one will make my credit scoring worse. But from what Dizzle said, I'll keep with Vodafone.

 

Cheers

[Lee Vodafone Company Rep]

Hi 900se,

 

I'd thought I'd pop on here to provide an official reply to assure you that upgrading your existing line with us will not require us to carry out an additional credit check.

 

We would only do this if you made enquiries about adding another line to your account.

 

In the event you approached another provider about a pay monthly agreement then you will credit checked by them.

 

Thanks and should you require any further help just let me know.

 

Lee

 

Web Relations Team

 

Vodafone UK

[900se]

Thanks for that - that's good news. Still thinking I'll ring up vodafone and say I'm going to go to another provider, just to see what deal I can get

[maroondevo52]

Hi,

 

I've got a garbage credit score and never have any probs getting an upgrade on contracts. I'm with Vodafone and had the contracts for donkeys years.

 

For the attention of Lee,

 

I always pay my phone bills

[Lee Vodafone Company Rep]

Hi 900se,

 

You're welcome - glad the information was useful and pleasing to you.

 

In the event you'd like some further assistance with your upgrade you're welcome to get in touch with the Web Relations Team by following the steps in our pinned thread here and we'll arrange for someone to take a closer look at things for you.

 

 

For the attention of Lee,

 

I always pay my phone bills

 

I'm pleased to hear it Scott.

 

All the best to you both.

 

Lee

 

Web Relations Team

 

Vodafone UK