Sky mobile - dubious credit rating

ohno_2

Hello, I hope someone can help me. I had to declare bankruptcy almost 6 years ago after leaving an abusive relationship and ending up in a women's refuge for several months. Fast forward to now and I have managed not to miss a single payment to my credit card, although a little high after Christmas. I am SO eager to get pass the 6 year mark and get that off my record. I've been holding on to my old phone as I'd love to get something better and on contract. It's totally broken today, which is so frustrating as I am literally two months away from the 6 year mark.

 I can't not have a mobile, as my children is in school and I need to be contactable. I wonder if it would be worth applying to Sky? My credit rating on Equifax states 'fair'.(401) On the other two agencies I've seen today there are still some discrepancies which I'll get taken off asap, but it shows as 'poor'. I have been with Sky for 6 years, recently upgraded to a different broadband package with no problem. I am wondering if it is worth applying to them for a contract, or if it will hurt my credit rating badly if I get turned down? Any advice would be appreciated. 

[Deleted User]

You don't have a credit rating to be hurt.  If you apply, only a search will appear on your files.  Anything that the pretend credit ratings do as a result can be ignored.

DCFC79

ohno_2 said:

Hello, I hope someone can help me. I had to declare bankruptcy almost 6 years ago after leaving an abusive relationship and ending up in a women's refuge for several months. Fast forward to now and I have managed not to miss a single payment to my credit card, although a little high after Christmas. I am SO eager to get pass the 6 year mark and get that off my record. I've been holding on to my old phone as I'd love to get something better and on contract. It's totally broken today, which is so frustrating as I am literally two months away from the 6 year mark.

 I can't not have a mobile, as my children is in school and I need to be contactable. I wonder if it would be worth applying to Sky? My credit rating on Equifax states 'fair'.(401) On the other two agencies I've seen today there are still some discrepancies which I'll get taken off asap, but it shows as 'poor'. I have been with Sky for 6 years, recently upgraded to a different broadband package with no problem. I am wondering if it is worth applying to them for a contract, or if it will hurt my credit rating badly if I get turned down? Any advice would be appreciated. 

Despite your credit score being shown as poor no 1 except you can see it, your history is what lenders see.

How much money do you have in your account ?

For a phone there are phones out there of various prices.

Get a sim only contract, I'm sure there are some who don't report to the credit reference agencies.

callum5

DCFC79 said:

ohno_2 said:

Hello, I hope someone can help me. I had to declare bankruptcy almost 6 years ago after leaving an abusive relationship and ending up in a women's refuge for several months. Fast forward to now and I have managed not to miss a single payment to my credit card, although a little high after Christmas. I am SO eager to get pass the 6 year mark and get that off my record. I've been holding on to my old phone as I'd love to get something better and on contract. It's totally broken today, which is so frustrating as I am literally two months away from the 6 year mark.

 I can't not have a mobile, as my children is in school and I need to be contactable. I wonder if it would be worth applying to Sky? My credit rating on Equifax states 'fair'.(401) On the other two agencies I've seen today there are still some discrepancies which I'll get taken off asap, but it shows as 'poor'. I have been with Sky for 6 years, recently upgraded to a different broadband package with no problem. I am wondering if it is worth applying to them for a contract, or if it will hurt my credit rating badly if I get turned down? Any advice would be appreciated. 

Despite your credit score being shown as poor no 1 except you can see it, your history is what lenders see.

How much money do you have in your account ?

For a phone there are phones out there of various prices.

Get a sim only contract, I'm sure there are some who don't report to the credit reference agencies.

If you are still looking for a phone and if you are still happy with your existing provider and SIM card (assuming it still works) you can buy cheap basic mobile phones from Argos, supermarkets and phone shops or you can visit second hand retailers and pick up a older but affordable smart phone. Once you have passed the 6 year mark you could look at applying to Sky or another provider

Hope this helps 

eDicky

ohno_2 said:

I've been holding on to my old phone as I'd love to get something better and on contract. It's totally broken today, which is so frustrating as I am literally two months away from the 6 year mark.

 I can't not have a mobile, as my children is in school and I need to be contactable. 

Your old phone may be unusable but your SIM card is not. All you need is a handset to put it in for now, a friend or family member's old one, second hand etc.. 

What is your SIM now - contract, SIM-only or PAYG..? Maybe there's opportunity for better economy...