on 14-08-2023 09:21
I've had a long and arduous dealing with O2 this weekend, but I'll try and keep to the point:
I set up a contract over the phone, but had issues on the O2 website when trying to make the upfront payment. I called them back and a man removed the whole contract, to then say that we'd need to start again.
It was all so abrupt but he told me that the only way to do this now would be to do a fresh contract with a new credit check..
This, of course failed - I presume because of it being a 2nd check request in the same day (3rd from O2 within 2 weeks - 2 Acceptances and this, now, Declined).
I have written a full complaint about this, and other things. Does anyone here know if the 'footprint' that they say is the 'soft check' that it implies, or is it a 'hard check'?
I want to know if it's safe for me to try again online for this contract.
Solved! Go to Solution.
on 14-08-2023 11:54
on 14-08-2023 11:54
@DarthFlipper
This is from Experian
on 14-08-2023 11:35
You need to wait at least 30 days before attempting another hard credit check or it will keep failing.
on 14-08-2023 11:41
Thank you @MI5. It is frustrating that O2 lean heavily on their script with 'just a footprint' and suggesting that the check would not be the hard check that it is.
Do you know what sort of damage this will have done to my credit history? I see no reaction on Experian, and I added a trial of the Expert Experian to see live updates. Do you know what kind of damage a 2nd try would do, if I didn't wait the 30 days?
on 14-08-2023 11:43
Failed checks will drop off your credit file after 30 days.
on 14-08-2023 11:46
Thank you. Sorry if I'm going off on tangents here (I think I'll also call Experian), but should the credit check request from O2 show up somewhere in Experian/ClearScore/CreditKarma?
When you say 'drop off', do you mean that it simply would be deleted, or it would just show up in some 'expired' way?
Again, it'll be better for me to speak to Experian directly on this, I'm sure, but thank you for your commenting
on 14-08-2023 11:49
on 14-08-2023 11:49
Check with Experian but I'm sure they get deleted.
Also, Experian and other agencies may take up to 3 months to update their database.
on 14-08-2023 11:54
on 14-08-2023 11:54
@DarthFlipper
This is from Experian
on 14-08-2023 11:56
on 14-08-2023 11:56
Thank you for quoting this for me. I suppose I will have to see what happens off the back of my O2 complaint and perhaps just leave them completely. It has been quite a horrible weekend dealing with them. I may go straight to Samsung, depending on how damaged my credit now is 😬