O2 credit check fail

aridonc

Having been an O2 pay & go customer for a number of years I recently decided to move to a monthly contract and get a new phone. My application to change was refused after I failed the credit check. Bemused by this I emailed their credit file referrals (2 days after the order was rejected) and waited (and waited) for a response. I have finally received a reply but it says that as it has taken more than 30 days for them to get back to me they are unable to look into why it was rejected. Their only advice is to apply again.


Am I likely to have success this time? And any other comments would be appreciated (such as reasons it could have been rejected)

System

Check the details on your credit files for free (there are 3)

https://www.moneysavingexpert.com/creditclub
https://www.noddle.co.uk
https://www.clearscore.com

aridonc

I've checked my credit files and there's nothing there to indicate why I would be rejected.

[Deleted User]

Either try again or choose a different provider

System

Could be an error. Phone contracts are typically the easiest type of credit to get. You would have to have a very poor credit history to be rejected outright.

aridonc

Any downside to reapplying?

System

aridonc wrote: »

Any downside to reapplying?

Not if you really want this phone contract.

[Deleted User]

aridonc wrote: »

Any downside to reapplying?

Another search on your credit files.

But little damage/impact in the scheme of things