Taking out a second contract

[Anonymous]

Hi hope someone out there can help. On Thursday I applied for a contact in my name for my partner. I didn't really expect it to be accepted as I don't have a great credit rating but it was. I'm now wondering how long it will be before I can apply again as I would like to take one out for myself. I don't want to try on any other network.

[perksie]

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@Bambino wrote:

As a matter of interest, I just signed up to Noddle. My credit rating is 4/5, and I'm not on the electoral register. Go figure. 

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I have always believed that a credit rating number or percentage is not a true representation of credit worthiness.

Companies will look for different things depending on the transaction being applied for.

For instance if you have made a number of applications for credit prior to applying for a phone contract, but have a good "rating", there is a good chance you will be refused.

O2 staff have said in the past that O2 take every application separately and do not look at a "rating".

I would definitely put yourself on the Electoral Roll.

[Anonymous]

I can't register for Noddle, because they need addresses going back 5 years.  3 years ago I moved house about 3 streets away from where I was before.  This was because my street was getting demolished as a result of the houses being unsafe. 

So now, the address I used to live at no longer exists according to royal mail, or any other online address checker.  Including Noddle's.

[perksie]

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@Anonymous wrote:

I can't register for Noddle, because they need addresses going back 5 years.  3 years ago I moved house about 3 streets away from where I was before.

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I wonder if you wrote to them and asked for those details to be added to an account it might help?

[Bambino]

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@perksie wrote:

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@Bambino wrote:

As a matter of interest, I just signed up to Noddle. My credit rating is 4/5, and I'm not on the electoral register. Go figure. 

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I have always believed that a credit rating number or percentage is not a true representation of credit worthiness.

Companies will look for different things depending on the transaction being applied for.

For instance if you have made a number of applications for credit prior to applying for a phone contract, but have a good "rating", there is a good chance you will be refused.

O2 staff have said in the past that O2 take every application separately and do not look at a "rating".

I would definitely put yourself on the Electoral Roll.

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I'm not actually looking to apply for any credit. I was just curious as to how it rated me, and I was pleasantly surprised.

I can't go on the electoral roll. I'm not a UK citizen. I've been resident here for a long time, but I'm not allowed to vote.

[perksie]

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@Bambino wrote:

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I can't go on the electoral roll. I'm not a UK citizen. I've been resident here for a long time, but I'm not allowed to vote.

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Interesting, where are you from?

PM if you'd rather, or is your user name the ultimate clue?