topic Credit check fail - how long to try again in Discussions & Feedback

Credit check fail - how long to try again

Stephers — Sun, 11 Jul 2021 13:08:56 GMT

Hi all, hopefully someone will be able to help me. I am new to o2 in that I recently took out a contract in my name for a new phone and had my number ported over from my old contract which was in my mums name.

Got the phone fine and then decided I wanted an Apple Watch to go with it. I ordered the watch and that also went through fine until it arrived and I realIsed I had stupidly ordered the wrong size. I spoke to o2 who advised since I wanted a different size I had to return and reorder (they could only swap over for a diff colour, same size).

I returned the watch and then called o2 to confirm it had arrived. They advised it had and they marked as returned on my account. They said to wait 24 hours and then I could order the right size.

I did as advised but got a message when i tried saying that my account had the max number of pay monthly contracts and so I couldn’t proceed. I called o2 again and was told the previous watch hadn’t been cancelled off my account properly and so they had now done it so wait 24 hours and try again. Well you can guess the same thing happened.

I called o2 again and they said they’d look into it and come back to me. Nobody ever did. A week later I tried again and this time ut said I had failed the credit check. Presumably as a result of repeated attempts to reorder as my credit rating is excellent 😞

I called o2 again and was told I should wait ‘a few months’ and try again. This seems bonkers as there’s nothing wrong with my credit rating, it allowed me to order the watch initially and has only gone wrong due to o2s processes.

The lady couldn’t tell me how long I should wait to re try. She said a couple of months firstly and then said actually maybe three or four to be on safe side. I want a watch now!!

My first bill has come out of my account now so wasn’t sure if that would make a difference.

I’ve emailed the credit referrals email address but nobody has replied a week later. Help!

Re: Credit check fail - how long to try again

MI5 — Sun, 11 Jul 2021 13:12:20 GMT

@Stephers

30 days from the last check should be sufficient.

Re: Credit check fail - how long to try again

Stephers — Sun, 11 Jul 2021 13:23:59 GMT

Thank you.
Is there any way anyone in o2 can override a credit check? I’ve paid my first bill, and returned a watch. My credit risk must be so low due to these things. Maybe someone more senior could do it if I keep trying?

Re: Credit check fail - how long to try again

MI5 — Sun, 11 Jul 2021 13:53:54 GMT

It's worth asking @Stephers

Re: Credit check fail - how long to try again

Bambino — Sun, 11 Jul 2021 13:56:51 GMT

@Stephers I'm not sure if they'll be able to help, but I will tag an online O2 account advisor who will be on tomorrow at 8 am. @O2Trevski can you please assist?

Re: Credit check fail - how long to try again

Stephers — Sun, 11 Jul 2021 15:05:29 GMT

Thank you both

Re: Credit check fail - how long to try again

O2Trevski — Mon, 12 Jul 2021 07:16:59 GMT

Thanks for the tag @Bambino

I’ll message you privately @Stephers and look in to this for you

Re: Credit check fail - how long to try again

Marv1 — Sat, 27 Nov 2021 15:54:56 GMT

Hi,

I know this is an old post, but the same has just happened to me with a failed check, even with a high credit rating.

Please help?

Re: Credit check fail - how long to try again

MI5 — Sat, 27 Nov 2021 16:42:29 GMT

@Marv1

We’re just customers like you but it sounds like you’ll need someone to access your account which can’t be done from here. If you message O2 on Facebook (https://o2uk.co/O2CFB) , Twitter (https://o2uk.co/O2CTW) or Instagram (https://o2uk.co/O2CIG) , they should be able to help you with this

Thanks

Re: Credit check fail - how long to try again

Hanif786 — Sat, 12 Feb 2022 00:10:01 GMT

Hi @O2Trevski, I've had the same issue when applying for a £6/month SIM only 12 month contract! I've never had issues before in applying for credit. Can you please help?

Re: Credit check fail - how long to try again

O2Lisa — Mon, 14 Feb 2022 08:51:46 GMT

Morning @Hanif786 my colleague @O2Trevski is off at the minute, but I'll message you privately and look in to this for you 😊

Re: Credit check fail - how long to try again

UberKV — Sat, 11 Jun 2022 14:48:19 GMT

Hi @O2Trevski, @O2Lisa I've had the same issue when applying for a £8/month SIM only 12 month contract! I've never had issues before in applying for credit. Can you please help?

Re: Credit check fail - how long to try again

Bambino — Sat, 11 Jun 2022 15:07:51 GMT

@UberKV The last post in this thread before yours was four months ago. @O2Ellie is on duty today. Perhaps she can advise you.

Re: Credit check fail - how long to try again

madasaf1sh — Sat, 11 Jun 2022 15:10:12 GMT

Just so you are aware o2 can choose to do business with whoever they want to, and just because you have had no issues in the past applying for credit, doesn't guarantee you credit, o2 will use not just credit file checks, but other business policies and affordability checks, as well as fraud database checks etc..

Credit is never guaranteed even for 50p

Re: Credit check fail - how long to try again

UberKV — Sun, 12 Jun 2022 10:31:34 GMT

I guess the credit check is performed on the house adddress as I’ve tried to take a new contact under my wife’s name which has failed. At this point i think I will just cancel my 02 contracts. Can’t believe it’s this difficult to get a monthly sim in 2022

Re: Credit check fail - how long to try again

O2Lisa — Mon, 13 Jun 2022 07:30:08 GMT

Morning @UberKV, I'll message you privately so we can discuss this further