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    Credit rating query. Bill payer or account holder?

    Banned
    Hi,

    I have a few direct debits set up but I am not the account holder, I simply pay by direct debit for them each month as they are in another family members name. Who would benefit from this on their credit rating? me as the bill payer or them as the account holder?

    Thanks.

    6 Comments

    The account holder.

    I've got a few that need paying,can you help with those too X)

    The account holder. You have no relationship with the creditor, so there is no way it could show up on your credit report.

    Original Poster Banned

    OK thanks.

    Yep unfortunately it has no effect on you.. I've been paying car loans in a family members name for the past 7 years flawlessly as my credit was never high enough for the loan. Still isn't as they can't see me paying this every month!

    Original Poster Banned

    Deaa

    Yep unfortunately it has no effect on you.. I've been paying car loans in … Yep unfortunately it has no effect on you.. I've been paying car loans in a family members name for the past 7 years flawlessly as my credit was never high enough for the loan. Still isn't as they can't see me paying this every month!



    That's pretty annoying!
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