cancel
Showing results for 
Search instead for 
Did you mean: 

Stuck in credit check

Edu
Level 1: Joiner
  • 4 Posts
  • 1 Topics
  • 0 Solutions
Registered:

Hi, for some reason I am unable to pass the credit check, I have checked experian and I have a high score so I reckon this must be something silly I am missing but nobody from O2 is contacting me to sort.

Anyone can help with this?

Thanks!

Message 1 of 11
739 Views
10 REPLIES 10

MI5
Level 94: Supreme
  • 145823 Posts
  • 635 Topics
  • 28021 Solutions
Registered:

@Edu 

You can ask for a review by the CFR team.

The email address is creditfilereferrals@telefonica.com
Or unconfirmed amendmentteam@o2.com
You can write to or fax them:
Credit File Referrals Team
Suite P
Arlington Business Centre
Leeds
LS11 0NE
Fax 0113 2025865

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:
Pixel 7a (O2 & Lyca), One Plus 6 (Sfr), iPhone 12 Pro Max (Vodafone)
>>>>>>>>>>>>>>>>
Message 2 of 11
655 Views

Edu
Level 1: Joiner
  • 4 Posts
  • 1 Topics
  • 0 Solutions
Registered:

Awesome, thank you! I will write them, and try to sort this out.

 

Thanks!

Message 3 of 11
642 Views

Oxonian
Level 30: Meditator
  • 7021 Posts
  • 133 Topics
  • 24 Solutions
Registered:

@Edu 

Have you moved house recently ?

Are you on the Voters' List - Electoral Register - at your current address ?

Is your address up to date on all of your bank etc accounts, credit cards and the like ?

It is worth bearing in mind that the credit check also looks at your identity and, if that cannot be confirmed, you are inevitably going to have a problem. 👍   

Message 4 of 11
624 Views

MI5
Level 94: Supreme
  • 145823 Posts
  • 635 Topics
  • 28021 Solutions
Registered:

@Edu 

You'll never be told the reason why, it's all done by computer algorithms.

However, as I mentioned, CFR will manually review and give a yes or no.

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:
Pixel 7a (O2 & Lyca), One Plus 6 (Sfr), iPhone 12 Pro Max (Vodafone)
>>>>>>>>>>>>>>>>
Message 5 of 11
619 Views

Edu
Level 1: Joiner
  • 4 Posts
  • 1 Topics
  • 0 Solutions
Registered:

Thanks for your reply, I moved like 4 years ago and I am registered at this address, I have checked the address in 3 of the banks I used two are fine and in one of them the flat number is missing.

Have not ever been in debt (credit cards, loans, mortgages) not sure if that could be a reason as it is just an 8 pound monthly SIM.

I have contacted the risk team, and maybe they can ask me for ID if  they have not been able to check that.

Waiting for their reply now

Message 6 of 11
618 Views

Oxonian
Level 30: Meditator
  • 7021 Posts
  • 133 Topics
  • 24 Solutions
Registered:

Waiting for their reply is all that you can do @Edu ; good luck and please let us know the outcome ! 👍 

Message 7 of 11
586 Views

MI5
Level 94: Supreme
  • 145823 Posts
  • 635 Topics
  • 28021 Solutions
Registered:

Best of luck but O2's credit checking process is a dark art these days. 

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:
Pixel 7a (O2 & Lyca), One Plus 6 (Sfr), iPhone 12 Pro Max (Vodafone)
>>>>>>>>>>>>>>>>
Message 8 of 11
584 Views

Edu
Level 1: Joiner
  • 4 Posts
  • 1 Topics
  • 0 Solutions
Registered:

I can see that, still had no response from them

Message 9 of 11
527 Views

Oxonian
Level 30: Meditator
  • 7021 Posts
  • 133 Topics
  • 24 Solutions
Registered:

@Edu 

You were given a route to escalate this by @MI5 in the first reply on this thread and i think that you have contacted that team ; why not give it until Monday or Tuesday before sending them a reminder ?  

Message 10 of 11
504 Views