Refused Credit Excellent Credit History

on 07-04-2013 00:41
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on 07-04-2013 00:41
Dear Sir or Madam,
Please could someone call me about an urgent issue.
I have been refused an o2 pay monthly iphone 5 contract For £27 a month plus an upfront £99 charge for the iPhone 5 at carphone warehouse in Bluewater today for no good reason. I have an excellent credit history and have never missed a payment. I have credit cards that I pay the balance off monthly and have had no problems opening credit accounts. I have recently moved but I have six years history at my previous address and have never had any problems.
I called my bank and they said my history is excellent and I am considered low risk and could not understand why I was treated in this way.
I currently use an O2 business phone, but this is a company phone and I will be giving it back in the next few days as I am moving jobs and need to open a personal O2 account with an iPhone 5 Urgently.
I am disgusted how I have been treated by O2. No explanation was offered as to why my credit application was refused and as a person who prides herself on managing her finances impeccably, I was embarrassed to be refused a contract for a measly £27 a month. I do believe that it is my right according to the data protection act to know why my credit application has been refused.
Is it because I work part-time? I still have a £30k a year income but that question was not asked!
Please could somebody look into this and contact me as soon as possible.

on 07-04-2013 00:47
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on 07-04-2013 00:47
As I understand it O2 use many different factors when assessing credit in theory if you have a good credit history you should be fine there have been other people reporting the same issues and I don't think it's fair that O2 don't give you the reason you were turned down are you on the electoral roll at your new address? You could also try getting in touch with the credit referral team at O2 but not sure how much that will help

on 07-04-2013 00:54
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on 07-04-2013 00:54
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on 07-04-2013 00:58

on 07-04-2013 01:05
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on 07-04-2013 01:05
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on 07-04-2013 01:11
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on 07-04-2013 07:35
You could contact Experian to see whats on your credit file.
Do this by sending a cheque or sign up on line for a 30 days free trial.
Just remeber to cancel the subscription before the 30 days up if you do not want to pay.
Good luck.
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07-04-2013 11:53 - edited 07-04-2013 11:54
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07-04-2013 11:53 - edited 07-04-2013 11:54
@Anonymous wrote:
I emailed my electoral role application back to my council a few weeks ago and got confirmation of receipt but I will double check on monday. Thing is I've been told I can't apply again for 30 days so I'm going to be without a phone for a month which is not a good situation. I'm thinking O2 have refused me as I have just moved, am divorced and work part time! I shouldn't have been so honest! If they looked further than the end of their noses they would see I have several credit cards which are all paid off in full each month and I have never defaulted on any bill. I'm appalled by them to be honest! Thanks for your response!
It will be a combination of a new address i.e. not being there long enough and working part-time. I've personally had this from the bank for a rejected loan is that if you work under 16 hours then they refuse you even if you have proof of sufficient funds!
If its an electoral roll issue then it could be you missed the last registration period which I suspect the agencies used as a baseline for their records. How often they update that is unknown.
There's also the other factor of being a good payer. Several other posters have remarked they have a good history but have been rejected. Problem is we live in a debt culture so having some form of debt is better than having no debts in the eyes of credit referrals.
Oh just thought - if you're divorced and reverted to another name then that could be another factor as effectively you haven't really existed since marriage (presuming the surname was changed).
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on 07-04-2013 12:20
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on 07-04-2013 12:25
Obtaining the Credit Report will also let you ensure your not the victim of identity theft.

