Will not having a landline telephone hurt my credit score?

Dear James,

Will not having a landline telephone affect my credit score?

Colin, Glasgow

Dear Colin,

Credit scoring weighs up a multitude of factors which aren’t significant individually but, taken together, can begin to paint a picture about you. Having a landline phone contract might be a variable some lenders factor into credit scoring, as it could be a sign of stability – perhaps along with how long you’ve been at your address, with the same bank and in your job, and whether you have a spouse. But taken in isolation, any effect is likely to be minimal and would be far outweighed by your actual credit history. Lenders review their credit scoring systems on a regular basis to keep them in line with changing consumer behaviour. I understand that more and more people are choosing not to have fixed landline telephones – so you’re certainly not alone here. As a result, this question is actually becoming much less relevant to calculations of risk or stability anyway. So don’t be swayed by concerns about credit scoring. Having or not having a landline phone is unlikely to have any significant bearing on what credit you get and how much you pay for it. (April 2012)


  • Experian Credit Report
  • Experian Credit Score
  • Email and text alerts
  • Dedicated UK based call centre


* Monthly fee of £14.99 applies after trial, new customers only. You may cancel your trial during the 30-day trial period without charge.

If you are a Credit Expert customer you can contact the customer services team with any questions specific to your credit report.

Please log in to your account and go to the contact us page to contact the member support team.

Explore our Help Centre

Our credit report centre is full of information on what 's in your credit report and how to improve your credit rating.

Credit Report Help Centre

Find out how to protect yourself from identity fraud and what to do if you're a victim.

Identity fraud explained

£2 Statutory Credit Report

Provides you with a one-off view of your current and past credit history.

£2 Statutory Credit Report