Upgrade credit checks

[Misspoppins]

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?

[MI5 · Accepted solution]

Hi @Misspoppins

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

[Misspoppins]

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

[Cleoriff]

@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

[MI5]

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@Misspoppins wrote:

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

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