4 weeks ago
In this post we’ll cover queries on your credit file, how contracts can affect your credit rating and how we can help if you are unable to pay your bill.
EE uses customer data held by credit reference agencies to come to a decision on any application you make.
The three credit reference agencies we use are:
In return for having access to this information we have a reciprocal agreement with the above agencies whereby we record a true reflection of how you conduct your account and update the agencies each month.
When you apply for a contract with EE, the credit search will be recorded on your credit file for 12 months. After this period, it will automatically be removed from your credit file.
A late payment will show when a bill is paid late. If it is two months late, it will show as a 2, three months late will show as a 3 and so on.
A default is the result of a bill or bills being paid late for six months in a row.
We’re not required to write to customers to tell them we are recording a default on their credit file or provide a copy of their original agreement.
See our understanding credit files Help pages for further information.
If you are having trouble paying your invoices, please don't cancel your Direct Debit or just not make a payment. Doing this could seriously impact your credit file and affect your chances of obtaining credit in the future.
We have a specialist collections team who can discuss your options around payments in times of difficulty, in order to minimise the risk to your credit file.
If you find yourself in this situation, please see our unable to pay bill Help pages for further information.
There are 4 ways to query something on your credit file;
Click on this link between 9-5, Monday to Friday: http://ee.co.uk/help/accounts-billing-and-topping-up/billing-and-payment/understanding-credit-files
Credit Referrals Team
6 Camberwell Way
Please ensure you provide all of the following details in order for us to review your query:
We will aim to respond to queries via email within 48 hours but queries by post may take a little longer.
If you find something on your credit file that you don't recognise and believe to be fraudulent please get in touch as soon as possible, so that we can investigate.
Please tap reply if you have any further questions.
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