topic Re: can't pass 02s credit checks? in Pay Monthly

can't pass 02s credit checks?

Anonymous — Mon, 23 Sep 2013 08:13:17 GMT

No idea why but for some reason I can't join o2 as I can't pass the credit checks. Never had any problems. I'm currently with 3 on a sim only contract. Never had any issues.

Re: can't pass 02s credit checks?

Anonymous — Mon, 23 Sep 2013 08:42:48 GMT

Hi,

Have you recently moved as you may not be on the electoral register yet.

The best advice is to ask Experian by a one off £2 fee or join their trial period to check your credit reference file.

If something is their that shouldn't be then you can dispute it.

http://www.experian.co.uk/

o2 Link ref help on Credit Checks.

http://service.o2.co.uk/IQ/SRVS/CGI-BIN/WEBCGI.EXE?New,Kb=Companion,question=ref(User):str(Mobile),CASE=12573

Re: can't pass 02s credit checks?

Anonymous — Mon, 23 Sep 2013 08:38:19 GMT

Nope, I've been at the same address for over 8 years, I have a few credit cards so I do have a credit history. Never had any depts etc

Re: can't pass 02s credit checks?

Anonymous — Mon, 23 Sep 2013 08:39:48 GMT

@Anonymous wrote:
Nope, I've been at the same address for over 8 years, I have a few credit cards so I do have a credit history. Never had any depts etc

Ok.

Then make some contact with Experian to see if something has shown up your not aware of.

Re: can't pass 02s credit checks?

Anonymous — Mon, 23 Sep 2013 08:48:50 GMT

Your current score is: 965

all seems well on experian

Re: can't pass 02s credit checks?

PhoneChanger — Mon, 23 Sep 2013 09:04:55 GMT

Have you recently applied for any additional credit (such as a new Credit card, new overdraft, or new insurance policies) as this could be because there has been a number of credit searches done on your account in the past few days?

Alternatively, if you have a number of credit cards resulting in a large amount of available borrowing to you and you're looking for a refresh tariff it could be because you have too much available to you. It is always recommended to close any outstanding credit accounts that are not in use when you have multiples.

Re: can't pass 02s credit checks?

Anonymous — Mon, 23 Sep 2013 09:10:46 GMT

@Anonymous wrote:
Your current score is: 965

all seems well on experian

You could re apply for a contract.

The downside to this as stated is that if you have too many searches applied to your file it could look like your overstretching yourself.

In conclusion its not Experian thats stopping you getting a contract, but o2 who make the final decision.

Re: can't pass 02s credit checks?

jonsie — Mon, 23 Sep 2013 11:17:47 GMT

Check that your address and postcode are correct and the same on all your accounts and your application to O2 and matches your bank statement.. Their data base has been known to be outdated, especicially in the case of flat numbers or house numbers, apartment blocks etc.

Re: can't pass 02s credit checks?

Anonymous — Tue, 24 Sep 2013 06:57:03 GMT

Are you getting stuck at the verified by visa screen? If so, I had this problem and had to call them to remove a block they had placed on my order before I could proceed. Found the number by looking on my bank's website.

Re: can't pass 02s credit checks?

Anonymous — Tue, 24 Sep 2013 09:22:26 GMT

nope, didn't get stuck on the visa screen

went with voda in the end....

Re: can't pass 02s credit checks?

Anonymous — Wed, 25 Sep 2013 00:16:34 GMT

Well I have a situation that the computer says no but everyone i speak to in O2 agrees its wrong but cannot be overriden.

Have one business account and one personal account, which is my sons phone.

Want to bring the business account over to personal, but fail the credit check. So stayed business account and got a new iphone 5s on the way, but cant even get a personal sim deal.

Crazy!!

John

Re: can't pass 02s credit checks?

Anonymous — Wed, 25 Sep 2013 05:51:13 GMT

Hi John,

What a silly situation to be in.

Let us know if you manage to find a workaround at all !

Take care.

Re: can't pass 02s credit checks?

Anonymous — Wed, 25 Sep 2013 09:39:46 GMT

The only work around would be for someone to be able to overwrite the computer.
I am paying exactly the same so not bothered but wanted refresh. I now have a 5s 32g business contract and offered what I want. I have also been offered any upgrade I want on my personal contract. But son will take over that one as he is now old enough. So my monthly outlay is say now 24 x £30 rather than 24 x £51 but I am offered what I want on existing contracts. All I wanted was either new iPhone or happy to accept any sim only tariff to restore credit acceptance in time. If you wish to pm me I would happily discuss and find any work around but been told it's not possible as the computer says no! I have a mortgage and credit card and been on voters role for £25 years.
John

Re: can't pass 02s credit checks?

Anonymous — Wed, 25 Sep 2013 09:46:54 GMT

Sounds like a reasonable request !

Re: can't pass 02s credit checks?

Anonymous — Wed, 25 Sep 2013 10:05:45 GMT

I also offered a deposit of £200 on sim only deal, leaving me massive out of pocket, but can't even get to that level as the computer says nope lol. I have a new iPhone on order for same outlay as a personal contract so not overly fussed. As I type just got O2 text to say phone will be in soon and dispatched shortly after. I would have happily had a personal sim and waited till iPhone 6 next year, even with deposit as stated but no human in O2 can offer this.
Happily be pm by anyone in authority and discuss on phone or via email.

John