Failed credit check - but have a perfect credit rating

capt_trouble

Hey guys,

Wonder if you can help me?
So I have just recently moved to London after getting a promotion. It's my fourth week here at this new place and I wanted to buy a MiFi dongle for mobile internet. I tried to buy one from THREE and Vodafone online but I have failed their credit checks. I looked at my credit rating on Experian (the company that they advise on their sites) and my score is 999 out of 999. I've never missed a payment, I have no debt whatsoever.

Is it something to do with the new promotion or new address? I'm struggling as to why I can't pass their checks! 

Silvertabby

Possibly because you are not yet on the electoral roll?

capt_trouble

Silvertabby said:

Possibly because you are not yet on the electoral roll?

Maybe? - But I am on the electoral roll back in Scotland?  

DCFC79

capt_trouble said:

Hey guys,

Wonder if you can help me?
So I have just recently moved to London after getting a promotion. It's my fourth week here at this new place and I wanted to buy a MiFi dongle for mobile internet. I tried to buy one from THREE and Vodafone online but I have failed their credit checks. I looked at my credit rating on Experian (the company that they advise on their sites) and my score is 999 out of 999. I've never missed a payment, I have no debt whatsoever.

Is it something to do with the new promotion or new address? I'm struggling as to why I can't pass their checks! 

As you have found out, your score means nothing, lenders look at your history only.

As mentioned I wonder if its down to the ER.

[Deleted User]

Check your credit files, not your credit scores 

See what appears 

Barney_Rubble_0403

ER will not be a deal breaker. What is your credit history? Do you have loans or credit cards that are well maintained?
999 suggests very little or no credit history.

PaulW922

The only issue I can think of (given these products are easy to get) is if you are applying at a new address in London but all your credit is at your old address in Scotland.... but even so, the phone companies systems should be sophisticated enough to cope. I take it you did provide your current and previous addresses when applying?

[Deleted User]

capt_trouble said:

Silvertabby said:

Possibly because you are not yet on the electoral roll?

Maybe? - But I am on the electoral roll back in Scotland?  

Which address did you use when you applied for the dongle?  Your London address or Scottish one?  Which address is registered with your bank?