Application for new phone contract was rejected base on Credit history

[Anonymous]

Hi,

My application for new contract phone was rejected based on Credit history. My credit history is very good and there is no reason why should my application rejected. This is very frustring since no one from O2 is able to help me in this. 

Can anyone please suggest me what needs to be done. Orange and 3 mobiles providers are happy to give me contract phone.

Kind Regards

Misba

[Anonymous]

Many thanks for all your reply guys. I will try to convience them, probably needs to go into store. 

[Anonymous]

It is sad that no one from O2 is willing to talk about issue and try to resolve it. Similar incident happend last 3 years back and I went with Orange. I think I have to do same now. 

[perksie]

Nobody would discuss a credit application failure with you, you could only ask them to look at it again.

[MI5]

It's most likely the history of defaults against your address but that is something that you will have to ride out unless you can get the companies that placed the defaults to remove them.
This kind of thing should have shown up in a search when you bought the property (unless it's rented, of course)...
If O2's computer says no, that's usually the end of it. If other networks will give you a contract you'll have to go with them or get a PAYG on O2.

[Anonymous]

As I recall the ability of credit providers to black list by address was outlawed some years ago and that credit searches could only be made against individuals.

I refer to this as I had been refused credit based on address some years ago and it became a hot topic fairly soon after (not as a result of me or my case I should add).

[Anonymous]

However following that outlawing, some credit providers started a process called "red lining" whereby whole areas or whole postcodes were effectively blacklisted.

I don't recall that red lining was ever outlawed and many organisations refused to confirm they used red lining.

I am not saying o2 do this as I don't know but it might explain? ??

[Anonymous]

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@Anonymous wrote:
As I recall the ability of credit providers to black list by address was outlawed some years ago and that credit searches could only be made against individuals.

I refer to this as I had been refused credit based on address some years ago and it became a hot topic fairly soon after (not as a result of me or my case I should add).

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Yes, you are indeed correct! Your credit worthiness can no longer be linked to previous tenants at an address.

It seems strange that the OP can take out credit cards yet O2 don't even offer the ability to place a deposit down before allowing the contract. Could it be because the OP already has two other contract phones?