In the UK, companies often run a credit check before providing credit to customers. Utility companies also use credit checks because most homes receive their energy on credit, meaning you pay in advance for the energy you are expected to use. 


Does So Energy Participate in Credit Referencing?

Yes. 

If you make regular payments on time, you will likely see a positive impact on your credit score. If you miss payments or regularly pay late, your score will be negatively affected and will have a longer-lasting impact on your credit score (which could make it more difficult to get accepted for other credit, like loans or mortgages), and the report can stay on your credit records for up to six years.

We want to ensure you can comfortably manage your payments. By reporting healthy financial behaviour, we help you build a positive credit history. If you ever struggle with payments, we're here to support you and work together towards a solution. The sooner you make us aware of any problems, the sooner we can help.

Each month, we share payment information with TransUnion to keep their records current. This means your timely payments are recognised, which can positively impact your credit score.

It can take up to two weeks for changes to appear on sites like Credit Karma. Our privacy policy permits us to provide information back to TransUnion, such as data on your payments with us, which ensures that your credit score stays up-to-date.

For more information on credit reporting or missed payments reflected on your account, you can contact the credit reporting agency; TransUnion or Credit Karma.


Online contact:

TransUnion Online Report - Get your credit report | An Information & Insights Company (transunion.co.uk)


In writting:

TransUnion Consumer Services Team 

PO Box 647

Unit 4

Hull HU9 9QZ


Why Has So Energy Started Referencing? 

We want to ensure our customers can comfortably manage their payments. By reporting healthy financial behaviour, we help you build a positive credit history. If you ever struggle with payments, we're here to support you and work together towards a solution.

If you do miss a payment, a late payment marker could be added to your report, which may then negatively affect your credit score. If you’re struggling to pay for your energy, we can help.