credit check, address problem

[Anonymous]

I am going to get an O2 contract through the Carphone Warehouse. But they said I have not passed the credit check from O2 because my address is missing in the O2 system. Called the CW, they said they cannot do anything because it is the O2 system. Called O2, they said I should ask the CW to fix it.

Sounds like kicking the ball. I used to with Vodafone and 3, no any problem. Got another number with Orange for my wife, no problem. I've check the Royalmail postcode finder, no problem. My apartment number is 217 and the CW told me it shows from 216, 218,219 but there's no 217. It is obviously that my address is missing in O2 system, no matter who do the credit check for them. 

What should I do now?

[Anonymous]

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@Anonymous wrote:
I am using Experian for my credit report and the score is high. O2 is using someone called Equifax. Do they exchange all records? That's quite weird that Experian gives me a high score but Equifax cannot even find me?

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There are three main credit agencies, Experian, Equifax and Call Credit.  They don't share information so, if you have any problems, you will need to check all three.  You may find that some information appears on one but not the others as it depends on who the creditors report to.

[MI5]

You already know the issue (your address) so why are you checking credit references?

[Anonymous]

Agree with MI5 here. However if you insist on checking them then there are several different agencies and they all collect data from different places. They will all take a different view of someone's eligibility for credit and it depends on the customers (o2 in this case) eligibility criteria.

[perksie]

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@Anonymous wrote:

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There are three main credit agencies, Experian, Equifax and Call Credit.  They don't share information so, if you have any problems, you will need to check all three.  You may find that some information appears on one but not the others as it depends on who the creditors report to.

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While they don't share data they all receive the same data from the credit lenders such as O2.

The same info should be available from any of them.

[Anonymous]

Register here you can check them all for free https://www.noddle.co.uk/

[perksie]

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@Anonymous wrote:

Register here you can check them all for free https://www.noddle.co.uk/

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Good spot Damien I hadn't heard of this company!

[Anonymous]

Ive used it for quite a while Perksie its great and free forever

[perksie]

I've had a look and will be using it, thanks very much!

[Anonymous]

Welcome mate

[perksie]

I'm on it, signed up all done and dusted off!