My credit report states I have a loan with sky,

[GaryWatters]

My credit report states I have a loan with sky, I cannot find anywhere where I agreed to a loan. I have a number of credit agreements with them. How can I verify what the loan is and pay it off as it is having a negative impact on my credit rating.

[caesarome]

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@GaryWatters wrote:

 I have a number of credit agreements with them

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I would assume it is referring to this because if you have a Sky Mobile or Sky Glass then you would have a credit agreement with Sky which is a kind of a loan in that Sky are giving you these devices that you are paying off.

[GD1]

@GaryWatters  If Sky Glass your contract clearly states:

Sky Glass credit agreement

Get Sky Glass on a monthly payment plan.

What's a credit agreement?

• It's a type of loan that lets you spread the cost over several months.
• There's 0% interest, so you won't spend any more than if you paid for it in one go.
• It’s regulated by the Financial Conduct Authority (FCA).

How it works

Instead of paying for your Sky Glass all at once, you can choose to repay the loan in monthly instalments.

What that means is the TV is yours. You just pay for it over:

• 24 months; or
• 48 months

It's up to you.

The monthly instalments are in addition to the monthly payment for your TV package, but they'll both be taken on the same payment date.

You can have up to three credit agreements on your Streaming TV account. You'll have a separate credit agreement for each TV.

Sky Mobile states

Sky Mobile credit agreement

Spread the cost of paying for your new phone, tablet, laptop or mobile accessory with our credit agreement options.

What's a credit agreement?

• A credit agreement is a type of loan that lets you spread out the total cost of a new device/accessory over several months.
• We'll lend you the money for the device/accessory. You can then repay the loan in monthly instalments.
• The credit agreement we offer is 0% interest, so you won't pay more for the device/accessory than if you bought it outright.
• It's regulated by the Financial Conduct Authority.

[GaryWatters]

I bought the sky glass tv outright so it's definitely not that

[caesarome]

You said in your first post you have a number of credit agreements with Sky so are you a Sky Mobile customer who has an agreements or two with Sky for devices you are paying off each month ?

[GaryWatters]

Yes, I've been with sky for years. I have a number of credit agreements (phones/tablets etc) however never been shown as a loan before. This specifically states that it is a loan

[Mark39]

A credit,agreement is a type of loan. Sky have lent you the money repayable by monthly instalment to buy goods. Perhaps the credit reference agency has changed the way they show them, but either way it's a type of loan.

[caesarome]

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@GaryWatters wrote:

Yes, I've been with sky for years. I have a number of credit agreements (phones/tablets etc) however never been shown as a loan before. 

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Then as we have stated earlier this is what it is, it could be that the company that you are using has changed how they show this on your report but that is what it is.