Credit Check System Left Me Phoneless

[Anonymous]

So I recently took out a contract (12 Days ago) for a Oneplus 3t in store and everything went well and I got the contract, then Oneplus decided to make a more beautiful colour of the phone which came in a 'Midnight Black' I was advised that the only way to change the colour would be to cancel the initial contract and take out another but it was online only offer. I proceded to do so only to find that the credit check in the final step of an online purchase would deny me even though I had contract literally days ago, I found that because I had done a credit check in store and another one online they were done too close together. So now I can't get another contract out and I'm forced to leave 02 who have the Oneplus exclusivley.

-Moral of the story checking your credit score brings down your credit store (Oh the irony!!!) :@-

Has anyone had this sort of problem? I've emailed the credit check email still waiting on a reply. As of now my hands are tied.

[MI5]

It's common of any credit check system. Too many too close together will get a refusal but in fairness you should have been warned.

[Curr946]

Appeal directly to o2 and they will overturn the decline. It's all computerised and the fact you passed days before shows it's clearly a restriction to avoid fraud. You've returned one and therefore when you appeal common sense will kick in

[Anonymous]

Through the customer service number or?

[Anonymous]

True I learnt the hard way, was only told if I fail a credit check it would affect my credit rating but thought I would be okay as I got a contract in store.

[MI5]

Assuming o2 have common sense?

[Curr946]

Think you need to write in to credit referrals . They might be able to do it by phone. @Anonymous will be able to confirm

[Martin-O2]

@Anonymous @Curr946 I'll ask the team now 

[MI5]

There is no public phone number for credit referrals as they aren't customer facing.
They may call you if you request it but no guarantee.

[Martin-O2 · Accepted solution]

Hey @Anonymous As mentioned above the only way you can query this refusal is by contacting the O2 credit referrals team in writing. Contact info below 

E-mail: creditfilereferrals@o2.com

Postal address: Credit File Referrals, Suite XY, Arlington Business Centre, Millshaw Park Lane, Leeds, LS11 0NE

Remember to include the order number along with your full name and address.