New mobile phone contract failing credit check

[Deleted User]

cid_2 said:

It's not plausible that it's the overdraft. 

It's not plausible that it's not, as it's such a significant factor in lending criteria.

cid_2

I see. I took Farfetch's 'particularly if unauthorised' to mean that an authorised overdraft would have less of an impact. My mistake.

That said, it is a joint account, and my wife had no problem recently getting a new phone contract, so why it would affect me and not her is beyond me. But clearly there's more magic than science involved in all this.

[Deleted User]

Joint account doesn't make any difference, just means your finances are linked and they don't like something on your record.