Phone contract credit check declined

Drew111

Hi,

I've been trying to get a new phone contract since my old phone broke. I have applied with two different addresses at the moment as we are moving house.

I tried the new property first (which we have just bought and no details have been transferred over) and o2 said they'd need a £250 deposit for 3 months to process the credit agreement. I did not want to pay this.

The second time I used my current address (rented property where everything is registered to) and the credit check in the o2 store instantly declined.

Slightly confused, I went home and got me credit report from Experian which came out at 913. The only problems being that I am not registered to vote at the new property yet and I don't have a credit card.

Does anyone know why o2 would be declining the credit agreement? Are other networks likely to have the same result as I don't want to go shop to shop getting credit checks done on me as that counts towards my credit score I believe.

Thanks for any advice
Andrew

glentoran99

What email address did you give them? IE is it linking to an ISP and not a hotmail one etc? May seem strange but i was declined when i gave them hotmail but accepted when i gave them ntlworld

[Deleted User]

Sounds like lack of history, not being on the electoral roll and a new address are causing the decline.

No one sees the score that Experian give you so you can discount that.

Drew111

I gave them a gmail address. Its the main one I use, I have another from hotmail but rarely use it

glentoran99

Drew111 wrote: »

I gave them a gmail address. Its the main one I use, I have another from hotmail but rarely use it

Have you any linked to an ISP?

Drew111

No, that's the only ones I have.

Whats strange is that when I used the new address where I'm not on the electoral roll it didn't decline, but when I used my other current address where I am it did.

Rrushi_Shqiptar

So you buy a house but get refused for a mobile, how odd.

I didn't know you could be declined for not having a "sub standard" email address. So whats Gmail like? when u say ISP do you mean have you got home broadband etc?

Sorry to be so thick.

glentoran99

Rrushi_Shqiptar wrote: »

So you buy a house but get refused for a mobile, how odd.

I didn't know you could be declined for not having a "sub standard" email address. So whats Gmail like? when u say ISP do you mean have you got home broadband etc?

Sorry to be so thick.

Im not sure its officially a criteria or anything just talking from my own experience, and it was with o2, I was declined with hotmail and applied again the same day with Ntlworld email address and was accepted, yes i mean linked to your home broadband, btinternet, virgin media etc

DCFC79

Go with a different network

Thrugelmir

Drew111 wrote: »

Does anyone know why o2 would be declining the credit agreement?

New address is what may have triggered the deposit request.

Applying again via a different address would have been been immediately red flagged resulting in an immediate decline. The fact that you were attempting to use an old address wouldn't portray you in a good light.

gardner1

easy answer you are declined because your not on electoral register