Upgrades and credit checks

[rendez2k]

Hi all, I have a few contracts with o2 and been with them for years. My credit score has recently dropped and I even got declined with o2 for an extra device - I've never had any issues or missed payments with o2. 

But, I've heard that credit checks are not the same for upgrades? Do you think I could upgrade 2 of them if I pay off the contacts? Just don't want to make it any worse by getting declined again!

[MI5 · Accepted solution]

@rendez2k 

O2 do not credit check for upgrades.

Go through the upgrade process and pay off what you owe a checkout.

Don't pay them off first or they might be treated as new contracts and hence credit checked.

[rendez2k]

Perfect - thank you!

[MI5]

You're welcome