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Bad credit rating ... what are options?
Options

vstheworld
Posts: 12 Forumite
in Mobiles
Hello hello. I have an appalling credit rating due to very bad times 3-4 years ago - but I have now been in full-time employment again for three years and I earn well above average. I have never, ever missed a mobile phone payment in 15+ years.
I would like to leave O2 but I suspect I will be declined with any new provider because of score. Do any of them offer alternatives such as x months of bank statements or an employer's letter or any of the other stunts that I have used with energy companies (for example) in the past?
Vodafone's ground staff say there's nothing they can do even though it's extremely obvious I can afford the contract, as the money currently going to O2 demonstrates in black and white.
I am going to have that conversation with Vodafone centrally, but meanwhile anyone here have any thoughts? (Other than PAYG SIM-only plus eBay for handset, which will be more overall than a contract would.) Any of the resellers or other networks more flexible?
I would like to leave O2 but I suspect I will be declined with any new provider because of score. Do any of them offer alternatives such as x months of bank statements or an employer's letter or any of the other stunts that I have used with energy companies (for example) in the past?
Vodafone's ground staff say there's nothing they can do even though it's extremely obvious I can afford the contract, as the money currently going to O2 demonstrates in black and white.
I am going to have that conversation with Vodafone centrally, but meanwhile anyone here have any thoughts? (Other than PAYG SIM-only plus eBay for handset, which will be more overall than a contract would.) Any of the resellers or other networks more flexible?
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Comments
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Talkmobile are known to ask for a refundable deposit in some boundary cases.0
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Thanks - have applied, let's wait and see. It doesn't say ANYWHERE on the site that a credit check will be applied... until you order (having given your account details) and get the acknowledgement email, which says it in very small type at the bottom.
I will add I seem to have got the same package for 7 quid cheaper than from Vodafone themselves too...0 -
Nope - declined again. Looks like I am stuck on O2, will see if I can blag them into matching the TalkMobile price. Thanks.0
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vstheworld wrote: »Nope - declined again. Looks like I am stuck on O2, will see if I can blag them into matching the TalkMobile price. Thanks.
If you can well and afford it, have you considered a sim free hanset and sim only deal?0 -
vstheworld wrote: »Nope - declined again. Looks like I am stuck on O2, will see if I can blag them into matching the TalkMobile price. Thanks.
Have you tried Three?0 -
Purchasing the phone out right could be a good option. You can get some good offers on refurbished phones and then just use a pay-as-you-go option. If you're determined to leave O2 this could be your best option.0
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