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Level 1: Joiner
Posts: 2
Registered: ‎20-04-2013
Accepted Solution

Upgrade credit checks

[ Edited ]

Ok so my credit rating has dropped and my contact is coming up for renewal. I do need to get a new phone and I want to stay with o2 but I’m worried they could decline me. I have been with o2 for 15 years plus, always paid by bill and never missed a payment with them. I am on a add too. Am I likely to be declined?

Posts: 87,696
Topics: 531
Solutions: 11,168
Registered: ‎04-04-2012

Re: Upgrade credit checks

[ Edited ]

Hi @Misspoppins

O2 do not credit check for upgrades so as long as your O2 payment history is OK, you will be fine.

I have no affiliation whatsoever with O2 or any subsidiary companies. Comments posted are entirely of my own opinion. This is not Customer Service so we are unable to help with account specific issues.

Currently using:
OnePlus 6 (O2 & Sfr), Z3 Tablet (Three UK), iPhone7 (EE)
Level 1: Joiner
Posts: 2
Registered: ‎20-04-2013

Re: Upgrade credit checks

Thank you. Can I just ask how do you know this for sure? I’ve been trying to find information on it.

Posts: 71,810
Topics: 677
Registered: ‎14-01-2013

Re: Upgrade credit checks

@MisspoppinsWe know that only NEW contracts are credit checked. Upgrades (which mean you have credit/payment history with O2) are not checked. As long as your monthly bill has been paid on time every month.

I upgrade each year to a new sim only tariff. Since my first Contract I have never been credit checked,

Hope that helps. Welcome to the forum by the way Welcome

*The Game Is On*


Posts: 87,696
Topics: 531
Solutions: 11,168
Registered: ‎04-04-2012

Re: Upgrade credit checks


@Misspoppins wrote:

Thank you. Can I just ask how do you know this for sure? I’ve been trying to find information on it.


Personal experience and 6 years worth of knowledge gained on the forum. 

I have no affiliation whatsoever with O2 or any subsidiary companies. Comments posted are entirely of my own opinion. This is not Customer Service so we are unable to help with account specific issues.

Currently using:
OnePlus 6 (O2 & Sfr), Z3 Tablet (Three UK), iPhone7 (EE)