o2 Credit Check

theswirly

Hi everyone,

Have tried to take out a new contract with o2 for an iPhone 4s 16gb, free through Dialaphone.

Unfortunately, I've not passed Equifax's credit check. This has been the kick up the backside I need to get my credit check and sort out issues such as cancelling credit cards I no longer use!

However, in the mean time (as I cannot wait six months for a new phone - Orange is useless where I now live and my current phone's on its last legs)... Is it possible for my partner to take out the contract - I obviously pay her the £37 a month - AND port over my number from my old Orange contract if I obtain the PAC code?

I just (perhaps wrongly) imagine there being a problem as it'll be porting a number from one name's contract to another.

Your advice would be greatly appreciated.

grumbler

Porting usually is not a problem in such cases. However, there were some reports about networks getting !!!!!! when porting 'golden' numbers bough from ebay, and requiring a proof that you 'own' this number.

Guys_Dad

Porting should be no problem. However, your partner is putting herself in jeopardy.

She is committing herself to about £900 of debt. This forum is littered with people who have done just what she is proposing to do, only to find that the relationship has gone down the pan and they are landed with the ex's debt.

Now I am not making any implied comments on your relationship as obviously I don't know you, but to be really morbid, should you be killed in a motor accident, for example, your ex would still have to pay off the remaining months on your phone as in the network's records, she is the contract holder.

Playing the Devil's Advocate, it the network, who stand to receive over £900 are not prepared to back you as a financial risk with all of their resources, is it fair to ask your partner or any friend come to that to take that risk on board?

I know this isn't what you will want to read, but that's the logical course.

victor2

Totally agree with Guys Dad.
If O2 won't give you credit, ask yourself do you really need the latest, and most expensive, phone?
Try another supplier and/or look for a cheaper deal, like buying a phone and getting a PAYG SIM if nobody will give you credit.
Then sort out your credit rating.

Wintermute

When it comes to using a PAC all you need is the mobile number and the PAC, if you can get that from Orange you can port that number onto any network, they won't care whos contract it came from, it's only the donor network that would really put up any of a fight.

I really wouldn't recommend that anyone take out a mobile contract for someone else, I've spoken to hundreds, most likely thousands that have got themselves into trouble by doing it. If your credit score's not great then any problems with the contract could result in the same effect on hers. While she might be happy to essentially give you £900 today, 6 months down the line if something goes wrong she might not be too happy about it.

It would be safer to borrow the price of a iPhone 4S off her and buy one outright or buy an entry level android smartphone then spend 6 months on a SIMO contract so you can upgrade yourself then trade the phone in at the end of it.