Do O2 credit check for an upgrade to refresh.

[Anonymous]

Hello
I am wanting to upgrade soon and am currently on the old o2 contract, not refresh. I am wondering if o2 will do a credit check for an upgrade to a refresh contract.
My credit score isnt good due to past circumstances but i have never missed a payment on my o2 bill.
Just worried i will get declined for an upgrade.
Any help/advice would be much appreciated.
Thanks

[MI5 · Accepted solution]

For a straight upgrade it is unlikely that you will get credit checked. Normally it's only for new contracts.
They will look at your past history with O2 but if it is as you say I wouldn't expect any problems.
The proof, of course though, will be in the pudding as it were and only O2 can confirm for sure.

[jonsie]

They don't normally credit check on upgrades but to be honest, on a refresh contract with a seperate hire purchase for the handset I'm not altogether too sure.

[MI5]

Good point about the HP for the phone jonsie.
Prob best to call 202 and ask CS the question....?
Let us know if you get a straight answer from them please......

[Anonymous]

Hi @Anonymous and Welcome to the Forum. 

My colleague recently upgraded from an older style O2 two year contract to a Refresh Tariff Option ,and was not credit checked. 

So if your account has been kept up to date with no 'blips' in payments I would say you'll be ok. 

Have you you tried to upgrade via your Myo2 ?

Hope all goes ok. 

[Anonymous]

I enquired as to if I would be credit checked for a sim only deal as was looking for a mortgage change and didn't want to leave another 'footprint' on my account and was told yes. As above, I'd imagine the HP portion of the new contract might lead them to credit check, though always worth checking directly.

[Anonymous]

Hi again. Thanks to everyone for your comments.
I have spoken to CS and they said there will be a credit check but they also take into account the fact that in have had an accountwith them for 6 years which is up to date with no missed payments.
She also suggested that i wait till my actual upgrade day as oppose to upgrading early. So i guess i wait till 15th december and see what happens.

[jonsie]

Wish you the best of luck

[Anonymous]

Thanks for getting back to us. 

[Anonymous]

Thanks for the update.

Hope all goes ok for you.