Phone contract credit check declined

xHannahx

Try a different network.. Tesco use O2 signals if you want 02 reception. I've heard a number of people claim to get Tesco contracts but couldn't get anywhere else.
Tesco is also a lot cheaper like for like and any tech support get it whilst doing your grocery shop.

Ben8282

Well actually it didn't decline did it? It was accepted with a requirement for £250 deposit refunded after 3 months. I recall being asked for such deposits in the past. They do refund promptly after the 3 months.
As for the actual decline, well if you walk back into an o2 store and make another application same personal details with different address, what do you expect? The reason is self evident.

SeanG79

The decline will be because the address you initially provided will be on their system, when you apply in your "current address", records wont match and thus decline the application.

Be careful applying from multiple addresses in a short space of time, I know someone who owned 2 properties, used the first address where he had recently moved, was declined and then applied again using the second address where he had lived for 9 years, was declined again and ended up with a CIFAS marker placed on his credit file.

m4rc

Just pay the £250, you get it back after 3 months later, they are just being cautious as you are not on the electoral roll it's hard to prove your address. However you may well now be rejected by them as they will be suspicious that you tried to get the phone with a different address. Additionally it may flag up as suspicious if you keep applying with the two addresses - use the one you live in otherwise you could end up with fraud markers and find it difficult to get anything from anyone.

GingerBob_3

SeanG79 wrote: »

The decline will be because the address you initially provided will be on their system, when you apply in your "current address", records wont match and thus decline the application.

Be careful applying from multiple addresses in a short space of time, I know someone who owned 2 properties, used the first address where he had recently moved, was declined and then applied again using the second address where he had lived for 9 years, was declined again and ended up with a CIFAS marker placed on his credit file.

CIFAS is clearly not fit for purpose if that sort of thing is happening. It seems to be nothing more than a database of rumours and accusations, unproven in some/many cases. One would have thought that to be hit with an unwarranted CIFAS accusation that adversely affected you would enable you to sue the perpetrators.

CoastalWarrior

It will be an issue with your address and most likely to do with the electoral roll.

You have had had 2 look ups now on your credit file too which are visible. So a third one would probably be declined too by O2. You could try elsewhere but it's not a good idea to have multiple declines on your credit file.

I would just buy a phone outright and use a SIM only plan if I were you, cheaper and you're unlikely to get refused.

chuckley

how long have you been at new property? Isn't the household deadline this month?

I'd be amazed anyone giving you any level of credit where you're not on the electoral role, especially if you've moved frequently in the last 3 years.

SeanG79

GingerBob wrote: »

CIFAS is clearly not fit for purpose if that sort of thing is happening. It seems to be nothing more than a database of rumours and accusations, unproven in some/many cases. One would have thought that to be hit with an unwarranted CIFAS accusation that adversely affected you would enable you to sue the perpetrators.

I agree 100%.

The remit is supposed to be that you cannot decline an application CIFAS, but it highlights possible issues. In reality though it seems lenders see CIFAS warnings and run (in my experience anyway)