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Does paying a mobile bill late affect your credit score?

Does paying a mobile bill late affect your credit score?

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3 comments

JanSt / MOD  May. 23, 2013 at 20:53

Read and weep http://www.guardian.co.uk/money/2011/feb/19/credit-score-mobile-phone-mortgage
There's why I have no bank account apart from credit union membership; why I'm on prepay... Why I avoid those mafiosos... "We protect you and your lifestyle. Now pay up - or you'll learn who we protect you from.!"

satchef1  May. 25, 2013 at 00:34

I fell foul of a similar problem to that chap. I phoned T-Mobile to cancel my contract, followed this up with a written letter. I paid what I thought was my final bill. A month later, another bill came through. I phoned them up, they apologised, confirmed that my account was now closed and refunded me the money. For the next three months, I had the same problem. In the end, I cancelled the direct debit, believing this to be the right move (I was 19, I didn't really know how this stuff worked). Fast forward six months, and unknown to me, T-Mobile had placed a default on my account. I only found out recently when a prospective landlord performed a credit check and turned my down as a tenant.

When I found out, I contacted them and they were really unhelpful. They demanded that I pay the defaulted sum. I agreed, on the condition that they remove all details of the incident from my credit file. They said they haven't got the power to do that (untrue). The debate went on for a few weeks, I got bored and stopped contacting them. The default will drop off my credit history next November. I've managed almost five years without it causing a problem, so I can cope for another 18-months

Don't mess with telecoms companies. Really not worth it. If it wasn't for the tenuous state of the housing market, I'd be looking at buying right now, and this default would be more than a minor inconvenience.

JanSt / MOD  May. 25, 2013 at 06:40

It is scandalous.

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