Virgin Mobile credit check error

sprotbro

Hi, this is my fist post so hopefully its in the right area. I recently applied for a due upgrade on a mobile and was told i failed a credit check. I was quite astonished and worried by this as i have never had credit refused. I did an online check with Experian on the 30 day free trial and paid for a score which came out at 999, which is in the excellent category, i contacted Virgin who said they use Equifax and may keep different records. I thought this a nonesense but did the check with Equifax and again paid for a score which came out at 563, again excellent, with no reason to be declined. I now await a response from Virgin, what i want to know is will the fact that i have been refused have a effect on my credit score in the future, even though the error is by Virgin, nothing shows at present on either of the reports, thanks, Paul.

OneADay

It could be any other reason - not lived in a place for 6 years or more, not on electoral roll etc.
One failed check ain't going to do much.

sprotbro

There is no reason on the check, i am on the electoral roll, same address for 28 years, i have 3 mobile contract for my family, and just took out a new credit card with Virgin only a few weeks ago.

OneADay

It may not appear on your report till later perhaps.
Or maybe they did not do a check. There was a thread on here about Virgin refusing because one person had too many services through them.

DarkConvict

Credit scores are pointless, as you can see above each creditor scores you differently, mobile contracts often require you to be on the voters role regards of how good your credit history is.
Since your Equifax score came out low compared to Experian (which may i add is not the score virgin use, they score you on their own system (could be out of 10 or 10000, they just use data supplied by Equifax) Ask Equifax why it is below 600. Maybe somewhere in there your Equifax file is wrong, a default, missed payments, maybe lots of existing credit already.

sprotbro

Equifax score differently, their excellent category start above 475 points i have a score of 563, whereas Experian score up to 999. The scale is different.
I do have alot of services fom them, i spend in excess of £1500 a year with them, thats without the credit card, i have wrote to head office and threatened to cancel the lot if not resolved.

Jon_01

sprotbro wrote: »

There is no reason on the check, i am on the electoral roll, same address for 28 years, i have 3 mobile contract for my family, and just took out a new credit card with Virgin only a few weeks ago.

The 3 contracts might the reason, I remember reading a while back that some networks won't allow more than 3 to any one customer ?

sprotbro

My error there is 1 contract is with Vodaphone, 2 with Virgin, also the dispute is over an upgrade not a new contract. As suggested earlier i have now Emailed Equifax to explain why i was refused.

Jon_01

It isn't the agency's that refuse you.

All they do is supply the credit check info, it's the network that then decide based on that info if they want to give you an acc or not.

sprotbro

Ok i see, thanks for all your replies, i have now received a text from Virgin to say they will contact me on Tuesday. as well as writing to their head office i also wrote to the department that makes the decisions on account acceptance, so hopefully something will be sorted early next week, cheers, Paul.

sprotbro

So Tuesday has arrived, and almost gone, guess what, no contact from Virgin, oh well, see what tomorrow brings.:(