Help please to avoid unfair credit check issues and/or smart meters when switching energy providers

Lilegg

I am recovering from cancer and I need to switch energy provider and have two issues. One is that I don't want, for personal health reasons' smart meter which uses WIFI. E.on accept I don't have to have one ( despite wha tit says on their terms and conditions but do insist on a credit check. I have eno credit issues and no credit cards or the like but know this can lead to trouble with these credit check companies. Because I have nothing for them to look at their 'expertise' can deem me bad risk. I know this to be true. Does anyone have any advice on how I can avoid being unable to obtain a loan should I need one in future other than the advice of not doing a switch? I am hoping that any company I join for energy will concede to my not having a smart meter.  I know my rights on that one. 

chiarieds

Hi @Lilegg - I've tried looking at this online, & must admit I can't see why having what you feel is 'nothing' to look at would give difficulty in the future should you need a loan. They do look at other things as you will see from the following link. Sending just in case you haven't seen this info. Please see: https://www.which.co.uk/money/credit-cards-and-loans/credit-scores/credit-reports-all-you-need-to-know-a6kbx3x10l1w

janer1967

Hi and welcome to the community, great to have you on board and I hope the info given is useful.

I dont have anything to add just wanted to say hi 

woodbine

Hi @Lilegg if you have little or no credit history I wouldn't worry too much and certainly not about a "credit score" as there is no such thing, it's just a made up number that only you see sometimes the best place to start if you want a loan is your own bank as they know you best. As for a smart meter I have just moved to Eon and there was no mention of having one if they insist they may find that I'm out on the day they try and fit one.

Chloe_Scope

Hi @Lilegg, how are you doing?

Lilegg

Hi All, Thank you Chloe_Scope I am ok. I have asked the loans team at East Sussex Credit Union and I have their permission to reproduce the advice they gave me. I was right to be concerned. Here are their words:
We're glad to hear that things worked out for you.

Dear X

Having checked with management, they confirmed that they would be happy with the following extract to be shared:


Anyone can view what their current credit score is with each of the 3 credit reference agencies for free. They often have tips of how to improve the score if needed.

Experian -  https://www.experian.co.uk/experian-account/01_free_score.html?ds_kid=43700002008145455&ds_rl=1126318&ds_rl=1169936&ds_rl=1001741&ds_rl=1279506&gclid=EAIaIQobChMI2M2Y-crb6gIVmK3tCh2TQgTbEAAYASABEgK5tPD_BwE&gclsrc=aw.ds

Equifax - https://www.clearscore.com/?utm_source=Paid&utm_medium=googleppc&utm_campaign=brp&gclid=EAIaIQobChMIyt-r7Mrb6gIVGLLtCh2OWAEKEAAYASAAEgIdDPD_BwE&gclsrc=aw.ds

TransUnion - https://www.creditkarma.co.uk/signup

Many thanks,

The Loans Team
East Sussex Credit Union ( contact details deleted by me but ESCU can be lookedd up online if you want to join them and live in our area, East Sussex).