Credit check with online contract purchase

xxJudexx

Hey, so I want to get a contract phone online. I have seen a deal I am happy with and want to go ahead but I have never had a contract phone before and have no idea what type of credit score I have.
I still live at home with my parents so I don't have any bills in my name or anything like that, I don't even have any store cards either! that so I don't know if I will be refused due to no credit rating?
I don't know if this would be any different in store though? My reason for buying online was for cash back but if my only option is to go in store I will do that.

Oh I'm 24 and have taken out car insurance for the last five years if that makes any difference.

Thanks for any advice you can give.

adamc260

A credit check is a credit check, whether it's carried out instore or online I believe it's the same criteria. If you get refused contact the company and ask if you can supply any 'supporting documentation' for your application. If they say no... try elsewhere I guess! Don't make too many applications though as they do report on your credit file.

grumbler

>> Credit Ratings

Bills and car insurance are irrelevant, but having an overdraft may help.
Without any form of credit in the past your credit history is likely to be non-existent, so a sim-only contract can be a better starting point - combined with a sim-free or a PAYG phone. Contract phones often are not the best option in terms of the total cost over the contract term.

Gordon_Hose

If you've never had any sort of credit (bad or otherwise) I'd just go for it. IF you're refused you'll know it's down to not having a credit history and that's easy to rectify, much easier than if you had bad credit.

Just apply.

balletshoes

I agree, just apply, and see what happens (its not going to be the end of the world if you apply and are turned down).