Credit references

[ManDownUnder]

Must. Keep. Thread. Alive.

Mark in your diary to quote me... in say... 2013...

[Kickaha]

You pay power?
Telecom?
Anything you pay monthly, can be used as a credit rating, as over time you have built up a rapport with these companies.

We didn't used to accept power or phone for credit checks as they're pretty much essential services that no one lets get cut off

I too pay cash for things, and haven't had anything on tick for at least 15 years, so would be hard to prove my credit rating except for your everyday bills. Good luck

Last time I had a check done on me they couldn't find any credit history for the same reason

[GOONR]

I have none... I pay in full when I need something, or I put it on the Visa and pay that off in full every time. I despise HPs and am lucky enough to have avoided the need for them for the last err... long time...

And now I have to open an account to get some gas bottles filled... and they need - credit references...

WTF?

The important question is... did you get the bottles filled, can you remember, it's been a while.

[crazyhorse]

We didn't used to accept power or phone for credit checks as they're pretty much essential services that no one lets get cut off



Last time I had a check done on me they couldn't find any credit history for the same reason

I can always think of some things that I get an account for - like from the bike shop, broadband connection, just put in a cat door, so thats another one I could use. I think we thought about it, there are always some accounts that we don't really tink about, but do have.

[sidecar bob]

We didn't used to accept power or phone for credit checks as they're pretty much essential services that no one lets get cut off

Thats bloody tragic, people paying off consumables such as tyres. I cant get my head around paying off a bike, let alone tyres.

[cc rider]

OK, so this may seem like a dump question, but 'who' do you ask to find out your credit rating?
I know I'm in Aust., but they may be a similar organization here.

What makes a good or bad rating?

Are they permanent?

cc

[Kickaha]

Thats bloody tragic, people paying off consumables such as tyres. I cant get my head around paying off a bike, let alone tyres.

As a company we've done it through GE for over 10 years, a few workshops we deal with also offer it on major jobs, eg: engine rebuilds