Talkmobile-refused contract phone. Help!!!

pacman_2

I'm with T mobile. Want to change to Talkmobile. Seen a deal , Nokia 735, 500 mins, 500 texts and 1gb data, £12.50 pm. Applied , no phone arrived. Called them after a week to see why. I've been refused due to failing credit check. Strange, my credit rating is very good (no missed payments on mobile phones, utility bills, in work). I've got an existing contract phone with Talkmobile. Don't know why I've been refused. Is it worth making a new order? I want to port my existing number too.


What could be the reason for the refusal? If I try other networks , will I be refused? What is the credit check? is it just checking a payment from credit card?

d123

If you already have a line with them you might find they declined you for trying to open a second account. You should probably call their customer services to check.

I would presume it's either your rating with them isn't good enough for a second line or you tried to open the new one as a new account rather than as another line on your current account.

macman

Have you actually accessed your credit record from Experian or Equifax? A credit check involves doing a search on your credit history: essentially, they want to see evidence of credit being taken and credit being repaid, regularly and on time.
You said your rating is good because you are 'in work', but the agencies don't have a clue whether you are in work or not, and even if you weren't, that does not directly impact upon your credit rating.

mobilejunkie

Talkmobile can be a pain when it comes to getting multiple contracts. They make the rules up as they go along and there's not much you can do. If the existing contract is recent, they may allow another when some time has passed (probably at LEAST 3 months from the time you were tunred down for the second contract.

Your external ratings are liekly to be irrelevant and it seems you've checked those already.