carphone warehouse o2 declined?

kk20

Saw a good offer on CPW (for once!) galaxy note 3, £27 pm on O2 with £55 quidco. Ordered, got oreder number. waited past the delivery date and phoned them.


Alarmingly O2 had declined my credit check. Alarm bells ringing in my head I looked on O2 to see which reference agency they use (Equifax) and trundled over to them to see my report; thinking someone has stolen my identity and gone on a shopping spree.


My credit should be good: a couple of mortgages, one paid off about a year ago, a couple of empty credit cards, existing mobile and Ive never a missed payment in my life for anything. Not moved in a very long time, nothing "linked" that would be an issue either.


Time for a "free" credit check (will cancel in a week just to see if it gets updated - alarm set on my calendar!). Equifax showed green on everything and not a single search registered by O2. Last search was my car insurance earlier in the year as expected. All the rest is as I would have thought.


So was the CPW deal too good to be true? Does this happen a lot to people? Is it a ploy to get you to ring up and be sold something else?


Not a happy bunny, so off I go to someone else....

mobilejunkie

O2 can be fussy. Their search may have been on one of the other two credit reference agencies - you'd need to check those too if you want to be certain about your credit files. As for CPW; they do their own checks before sending it to O2 for theirs. CPW checks don't look at credit files, but how many deals you've had in a certain time. If they aren't happy for some reason they may not pass it to O2 - though if they have confirmed it was O2 who declined you then it would be out of CPW's hands. Their decline communication isn't always clear or accurate - as with their cashback instructions, both on and off line.

kk20

follow up. Phone arrived from buymobiles. I did check Experian: not a single search from anyone recently (this was before ordering from buymobiles). (will cancel both on Friday). Everything in the green with nonsensical very high number.


Conclusion - someone lied and O2 didn't do a search. I wont be bothering with CPW again.

Buzby

CPW do an initial ID check, if you fail this they do not bother progressing. As to whose check they use - dunno, any of the usual suspects!

Bingolingo

CPW don't do their own ID check until the customer has passed the network's credit check. No pass - no check. It could be that the wrong details were put into the system, there was an error or the search wasn't recorded properly.