Mobile phone contracts are however "credit" based as they don't ask you to pay for your calls "up front" like you do with PAYG, so this is different from a Gym contract where you generally have to pay each month's rental "in advance" so there is no element of credit involved. Also with a mobile contract you often get the handset often worth £400+ "for free" when you agree to a contract, the the monthly payments are in effect payments for that expensive hardware, so again very different from a Gym contract where no actual goods are involved, apart from perhaps a "free sports towel" when you sign up!

I think that normal consumer contracts don't get monthly reporting via experian & equifax, as this is really aimed at reporting on CREDIT related payments on loans, cards & mortgages. With subscription type contracts these will only show up on experian/equifax if it goes to court and a CCJ is issued. I doubt a health club would bother to go to court as they just generally send out threatening letters dressed up to look like solicitors letters rather than an actual court summons, which would cost them money.