on 07-03-2009 09:57
But upon O2's credit check I have been declined, I've checked my equifax status and its perfectly fine and I'm registered correctly on the electrol roll. I contacted O2's credit people via phone and their email address and they both tell me that my credit check was fine but I have been declined due to business polices and they state:
O2 business policies are commercially sensitive information, therefore unfortunately we cannot go into details of these.
I am sorry but O2 have taken the decision to decline your application and at this point the decision cannot be overturned.
I'm confused... they are turning away good business for no reason. My credit rating is fine, I've have had a mobile phone for nearly 10 years, never missed a payment, and never been involved in anything unlawful.
Any ideas how I can sort this out?
on 07-03-2009 11:39
I'm not sure if this helps, as I've never had a credit check, I've always been a PAYG Customer. Try maybe going straight to an Apple Shop or Carphone Warehouse or maybe just a diffrent O2 Store.
Logically, it shouldn't make a difference, but its worth a try.
on 07-03-2009 19:53
on 07-03-2009 22:40
yeah ive now tried that... also declined at carphone warehouse... i feel a complaint coming on...
When a company does a credit check they use a scoring system, based on your credit file, this means that they look at the information registered by other companies who you may have accounts with,ie credit cards or loans, also now if you have a joint bank account etc, they use linked information ie the details of the person you share the account with together with information registered to your address.
Your credit score is based current outgoings as per your credit file, and your considered ability to be able to pay.
on 08-03-2009 10:29
but... they have admitted that the credit check was fine and I passed that... I failed on "business policies" whatever they are?
Thats the credit score that they have given you, based on that they have made a commercial judgement, not to accept your request for a contract.
on 09-03-2009 18:14
Sky Unlimited Broadband - Windows 10 - Nexus 4 Android 5.1.1
on 11-03-2009 23:45