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  • FIRST POST
    • Simon67
    • By Simon67 29th Aug 16, 12:35 PM
    • 1Posts
    • 0Thanks
    Simon67
    Talkmobile Refused Me Credit - I Have Excellent Credit Rating
    • #1
    • 29th Aug 16, 12:35 PM
    Talkmobile Refused Me Credit - I Have Excellent Credit Rating 29th Aug 16 at 12:35 PM
    I tried to purchase a new mobile phone contract yesterday online only to receive an email from Talkmobile shortly after stating that they had run a credit check with Experian, and on the basis of that check, they could not take my order any further.
    I was bemused by this as I have no credit issues so I signed up to Experian to get a copy of my credit score rating. It came back as an excellent score of 997 out of 999 with no negatives against me or my address whatsoever.
    How good does your credit score have to be to get a £13 a month phone contract with Talkmobile???
    Anybody else had these issues with Talkmobile? I would be interested to know.
Page 1
    • benten69
    • By benten69 29th Aug 16, 12:56 PM
    • 226 Posts
    • 1,243 Thanks
    benten69
    • #2
    • 29th Aug 16, 12:56 PM
    • #2
    • 29th Aug 16, 12:56 PM
    It might be something as simple as not being on the electoral register that has caused them to refuse you.

    Remember, your score of "997" is essentially meaningless and just how experian rate you, each lender will rate you under your own criteria. So having excellent credit, but being off the electoral register or something equally as basic could be enough for Talkmobile to refuse you.
    SPC9 #408 - £200.39 | SPC10 #408 - £95.69
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    • zx81
    • By zx81 29th Aug 16, 12:57 PM
    • 9,386 Posts
    • 9,220 Thanks
    zx81
    • #3
    • 29th Aug 16, 12:57 PM
    • #3
    • 29th Aug 16, 12:57 PM
    Your score means nothing.

    Do you have a history of managing credit?
  • National Debtline
    • #4
    • 30th Aug 16, 11:41 AM
    • #4
    • 30th Aug 16, 11:41 AM
    Hi Simon67,


    I agree with some of the other points made here, a lack of history would be as difficult for a future lender to assess as a bad history. However, I am not sure that is the issue here. What could be part of the problem is that you also don't know which credit agency Talkmobile used - have you checked all 3 credit files to see if your history differs at all? (This can be the case).


    Several searches on your file can also be damaging so if your file so if you have been looking for a mobile for a while, and have applied for a few then this could be damaging your rating as well. But these should come off in 12months. Good luck,


    Laura
    @natdebtline
    We work as money advisers for National Debtline and have specific permission from MSE to post to try to help those in debt. Read more information on National Debtline in MSE's Debt Problems: What to do and where to get help guide. If you find you're struggling with debt and need further help try our online advice tool My Money Steps
    • benwylie
    • By benwylie 18th Oct 16, 9:49 PM
    • 4 Posts
    • 0 Thanks
    benwylie
    • #5
    • 18th Oct 16, 9:49 PM
    • #5
    • 18th Oct 16, 9:49 PM
    Did you manage to resolve the issue with TalkMobile?
    I am in the same situation with TalkMobile. TalkMobile are refusing to provide any specifics of why I am being refused, apart from it is linked to my Experian credit report. I have looked into my credit report and cannot see any issues, with Experian themselves giving me a similarly high credit score (I know it ultimately means nothing but is at least indicative).
    • TadleyBaggie
    • By TadleyBaggie 18th Oct 16, 10:01 PM
    • 1,991 Posts
    • 1,404 Thanks
    TadleyBaggie
    • #6
    • 18th Oct 16, 10:01 PM
    • #6
    • 18th Oct 16, 10:01 PM
    Well Simon logged off 2 minutes after posting and has never come back. So it seems he is not that interested after all.
    • pappa golf
    • By pappa golf 18th Oct 16, 10:07 PM
    • 5,430 Posts
    • 4,956 Thanks
    pappa golf
    • #7
    • 18th Oct 16, 10:07 PM
    • #7
    • 18th Oct 16, 10:07 PM
    and he did use the words "email from Talkmobile shortly after stating that they had run a credit check with Experian, "


    so why should he chase the other CRAs ?


    it was Experian that gave him the bad report
    Have YOU had to walk 500 miles?
    Were you advised to walk 500 more?
    You could be entitled to compensation.
    Call the Pro Claimers NOW.
    • MABLE
    • By MABLE 18th Oct 16, 10:16 PM
    • 3,064 Posts
    • 1,616 Thanks
    MABLE
    • #8
    • 18th Oct 16, 10:16 PM
    • #8
    • 18th Oct 16, 10:16 PM
    Did you manage to resolve the issue with TalkMobile?
    I am in the same situation with TalkMobile. TalkMobile are refusing to provide any specifics of why I am being refused, apart from it is linked to my Experian credit report. I have looked into my credit report and cannot see any issues, with Experian themselves giving me a similarly high credit score (I know it ultimately means nothing but is at least indicative).
    Originally posted by benwylie
    Just shows you what rubbish a credit score is. Mine is bordering on poor/fair with Experian but never stops me getting good deals and always getting good promotional offers on my cards.
    • A4445
    • By A4445 19th Oct 16, 3:12 PM
    • 462 Posts
    • 220 Thanks
    A4445
    • #9
    • 19th Oct 16, 3:12 PM
    • #9
    • 19th Oct 16, 3:12 PM
    Same here mines fair/poor and been accepted for an Amex card.
    • MallyGirl
    • By MallyGirl 19th Oct 16, 3:49 PM
    • 1,570 Posts
    • 3,783 Thanks
    MallyGirl
    mine is also fair/poor due to my percentage of credit used in Stoozing.
    I have no problem getting credit because the credit history shows extensive evidence of managing credit well, no bad behaviour, missed or late payments, AP markers, etc.
    OneAccount flexible mortgage due to be repaid Nov 2025
    Current o/s amount - £19k @ 3.9% 2% LTV
    £51k stoozed on 0% cards till '18 / '19
    MF Target date - Jan '17 (we will be 49)
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