Consolidate device plan loans

[Owinn]

Hello, 

I’ve been trying to improve my credit score and when I looked at my file it said I had three unsecured loans and it would be a good idea to consolidate. I checked and they are my O2 device plans. Is there any way to consolidate these three device plans into one monthly payment or at least will O2 be able to contact credit checkers like Equifax to inform them what they are? 

thanks! 

[madasaf1sh · Accepted solution]

@Owinn 

The simple answer is No and No, as the credit references agencies see them as they are unsecured loans, and o2 have a legal duty to report each one as such.

Bare in mind your credit score is a fictional number, made up by the CRA's to sell your products. Lenders look at your credit file.