Credit refusal

[DarrylA]

Hi, I'm an O2 customer that pays for two hand sets. £82 per month. I have never been turned down for credit before but thats what happened yesterday when i tried to upgrade the phones. I've never missed a payment in my life to anyone. I have no ccj's or defaults. I took an experion credit check and scored 999 or 100%.. So whats the problem? Old bill £82, new bill £90. If O2 think i cant pay 90 I'm sure I'm not going to pay 82 anymore. I may as well go elsewhere! Prior to O2 i was with Vodafone since 1996. What is going on here? Is this common for O2?        

[Oxonian]

This is a customer to customer community @DarrylA so we do not know. And, in fairness, O2's customer service staff will not know either as the criteria in credit checks is kept secret to avoid folks trying to circumvent the rules. 

All I would say that it is not just about your credit score ; there are other factors such as an identity check. So have you moved house recently ? Are you on the voters' list at your current address ? Is your name and address correct on your bank statements ? 

Failed credit checks are sometimes mentioned on this forum - you can search for them.  

[pgn]

Many here would suggest, if upgrading multiple phones with O2, to do one at a time and leave perhaps 4 weeks before trying the next one - two hard credit checks in rapid succession can often result in the second check failing.  Or, as you intimated, go elsewhere - after checking the intended carrier offers good service in areas where you need mobile phone/data service, naturally.  A good way to do this is to get a 30-day PAYG SIM from the other providers and use them for a month to do your own assessment of coverage before jumping ship to a new pair of contracts with a different provider than O2. Good luck, @DarrylA.

[DarrylA]

Thanks for the reply. I have been at this address for 14 years. I receive voters cards so I'm on the register. And it's the same bank account that I'm paying them now. Very strange.

[DarrylA]

Hi, they were happy to take my money for two handsets 24 months ago. It failed on one phone! Less than half the price of what I'm paying now! I've been with Vodafone for nearly 30 years prior and network is fine. It's Vodafone though, awful to deal with.

[pgn]

---

@DarrylA wrote:

 It's Vodafone though, awful to deal with.

---

VMO2's rapidly going down that road too, @DarrylA - judging by the complaints here over tasks that should be O2's bread-and-butter: Contract changes, PAC processing, Roaming.... 🤠

[Enlli]

As pointed out it is not an uncommon occurrence here. It became more frequent when the joint Venture with Virgin went through.

Obviously it can trigger all sorts of emotions.

My advice has always been to leave and go somewhere else,.

Perhaps I am fortunate as I've never financed a handset via a network for the last twenty years. I hate being tied in 

As suggested do some experiments with other networks. You never know there could be life outside of O2

[Oxonian]

---

@pgn wrote:

---

@DarrylA wrote:

 It's Vodafone though, awful to deal with.

---

VMO2's rapidly going down that road too, @DarrylA - judging by the complaints here over tasks that should be O2's bread-and-butter: Contract changes, PAC processing, Roaming.... 🤠

---

It is probably fair to say @pgn that all four MNOs have customer service that can be described as mediocre. 👍