DRO and mobile phone contract upgrade

Hawjim

Hi all,

I am going through the DRO process at the moment - just wondered if anyone had any advice or can shed any light for me on this; I am due to upgrade my current phone contract in September.  My phone contract is not in arrears or default and is included in my income and expenditure for the DRO purposes.  Anyone know if I will be able to upgrade on O2 or will they initiate a credit check during the upgrade?  

Any advice greatly appreciated.

Thank you.

ToxtethO'Grady

It is up to them.

Their privacy policy states Credit reference and fraud prevention agencies. When we check your credit score with a credit reference agency, the information that we give them (including details of your credit application and financial details) as well as the fact that we have requested that search will also be recorded by the credit reference agency. 

Check out their terms and conditions but I have spoken to people who have been able to upgrade with no issues and others where it has been an issue. You are signing a credit agreement either for the fixed sum loan for the handset or for the airtime so they are within their rights to run a credit search.

If you can bear to have an older phone might be best to get a SIM only deal until your credit is repaired but up to you.

JonVarnas

I don't think they'd credit check for a sim only contract - well EE didn't for me. If there's a new phone involved it's probably a different story as essentially they're loaning you the cost of the phone upfront.