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 

Chloe_Alumni

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).