o2 Credit Search??

greybear40

Just looking for a little advice. Myself and my partner are trying to improve our credit scores as much as possible so that later in the year we can sort a remortgage. (I have already posted regarding some arrangements and 6 payments late I have on my file that I am trying to sort) but also my partners mobile contract is up for renewal next month. He has a squeaky clean credit file unlike me and he wants to upgrade with o2 as he really needs a new phone as his is knackered but we are trying not to make any new credit searches or new accounts on either of our credit files. He is currently on a handset contract with o2 and wants to stay on one and get a new phone and possibly more data. Will this mean a new search and account on his file or can it just continue just with another start date??

Radley81

Hi

When I upgraded they didn't with me - can't see why they would need to if you have always paid on time, after all they'll want to keep you as a customer! I've been with them about 7 years, in fact I usually nicely tell them I am leaving as they always come back with a better deal then !

Ps I may be wrong but I'm not sure that searches for things like phones particularly matter to a lender. Our advisor said they all had their own criteria and it would be level of debt and any defaults etc they'd be more concerned about x

forgotmyname

Vodafone made a point of saying they wont credit search when offering me a 2nd phone to add to my contract.

Whether they had credit checked beforehand i dont know i never checked.

greenlightluke

O2 Check to make sure you haven't defaulted on any payments before an upgrade, so providing all payments are in order, then it should go straight through.

If you take a Refresh contract, then they will do a credit search because it is a different kind of account. (More a finance offer, than a mobile contract)

Luke

Buzby

They may well do - they know what your payment record s like, but not for the first time there may be troubles elsewhere.

There is absolutely no need to take out a bee contract as the old one will not 'end' it carries on before. If the phone you use needs replacing, buy another - you don't need a contract to do this. Contracts (old or new) are always a risk, but one that gives you a 30 day cancellation option is considerably safer than another 2 year lock in. Especially if you move, can you guarantee adequate coverage where you'll end up? The networks certainly don't.

Don't risk it - especially as you need to protect your file for things that really matter. Risking it for a fickle contract is madness.

greybear40

There have never been any defaults in the 2 years he has been with o2.Just paid by dd every month. He just wants a better phone and more data so this should just carry on without a new account or credit search showing on his credit file is that right??