Credit Referrals

[Anonymous]

Hi, I’ve been emailing the credit referrals team now for a few weeks and still pending a response. I’ve called a few times and the staff have been very helpful and said o2 will get the issue corrected for me however I am passed back to the credit ref team email who I have had no response from. There was an error on my credit file from over 6 years ago which I didn’t correct at the time, now I am applying for a mortgage the mortgage provider are questioning this flagging on my report. It is quite urgent I have 48 hours to give them documentation.
Please can you give me a contact number or get someone to respond to me?
Thanks very much!

[jcass1]

Hi Martin, 

I am having this issue right now. I have posted about it here: 
https://community.o2.co.uk/t5/Discussions-and-Feedback/o2-have-INCORRECTLY-messed-up-my-credit-score...


i would love some help solving it as its getting urgent. I am rushing to get a house and just discovered this mistake by o2. It's crushing. 

please help me

[kitri00202]

Hi Martin, @Martin-O2 

I am having a similar problem with regards to applying for a mortgage. Any help would be highly appreciated.

Best,

Ed

[Cleoriff]

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@kitri00202 wrote:

Hi Martin, @Martin-O2 

I am having a similar problem with regards to applying for a mortgage. Any help would be highly appreciated.

Best,

Ed

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@Marjo @LukasB ?

[LukasB]

Hey @kitri00202 we can have a look into this. Have been in touch with the credit referrals team yet?

[rflack]

I have tried to get a third sim only contract on 02 (one for each member of the family) and each time I try to buy a third I keep getting this Credit declined message, then it suggests I go look at this dark part of the internet.
Why is it such an issue to get a third contract... sort of regretting going with O2 and havn't even started the contract yet 😕

[Cleoriff]

@rflack 

You may be better off going instore. Trying too many times online will throw up a warning.

[MI5]

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@rflack wrote:

I have tried to get a third sim only contract on 02 (one for each member of the family) and each time I try to buy a third I keep getting this Credit declined message, then it suggests I go look at this dark part of the internet.
Why is it such an issue to get a third contract... sort of regretting going with O2 and havn't even started the contract yet 😕

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If you have just done two credit checks for the other contracts you will be rejected for the third due to too many checks in a short period of time.

Best to wait a month for the next application.

Your credit file will be marked so credit checks anywhere will be declined.

[rflack]

So you're suggesting that any family that has tried to get matching sim cards on 02 has had to do it a month apart otherwise they max out their credit checks? Not a problem with virgin or vodafone. 

I'm not sure I believe that, it doesn't sound right... where's the abort button?

[Meg1]

Hi @LukasB @Martin-O2 

I am also having this problem - I tried to take out a new contract on cyber Monday but was denied because of a credit check mistake (I have a good credit score so not sure why it was cancelled).

I've emailed the credit referral team several times with a copy of my credit report but still not had a reply. On the phone customer services told me only the credit referral email team could help and that they would reply within 5 working days, but I haven't heard back from them after 2 weeks so I'm not sure what to do next. I also don't want this failed credit check to affect my credit rating in the future.

Is there any way to escalate my request without sending an email every day?

Thanks!

[LukasB]

Hey @Meg1 sorry for the delay - I will PM you on here for some more information.