Refresh

[Anonymous]

What you may not know, is that when you go on Refresh, O2 do 2 credit searches on you, one for the airtime and one for a "Loan" for your phone. 100 points from my rating. The girl in the shop told me that as I was an exisiting customer upgrading early, there would be no credit search at all.

[MI5]

Yes, all new contracts are credit checked but not upgrades usually.

[perksie · Accepted solution]

Points in a credit rating mean nothing, each application is done on an individual basis and have no effect on any rating.

Multiple applications within a short period can cause problems.

[Anonymous]

You only get credit checked when you are applying for a contract, you won't be checked for upgrades

[Cleoriff]

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@Anonymous wrote:
You only get credit checked when you are applying for a contract, you won't be checked for upgrades

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Unless you have defaulted on any payment

[jonsie]

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@Cleoriff wrote:

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@Anonymous wrote:
You only get credit checked when you are applying for a contract, you won't be checked for upgrades

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Unless you have defaulted on any payment

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Now that would cause problems.....