Failed Three Credit Check but no idea why

Hi all,

I just tried to order a 5G router from Three, it has said that I failed the credit check. The only reason I can think I may have failed is because I have only been in my current job for two months. However, I have over two decades of unbroken employment. 

I have no CCJs, no defaults, no late payments, I have a mortgage, I have credit cards which are always paid on time. I am a higher rate tax payer. I have checked my credit record and it has nothing on it which contradicts any of this. 

Any ideas? I assume a failed credit check would have an adverse impact on my credit file?

Thanks 

Comments

  • molerat
    molerat Posts: 31,576
    Name Dropper Photogenic First Post First Anniversary
    Forumite
    edited 24 October 2023 at 1:59PM
    A credit check, failed or successful, will have minimal impact, it is simply a credit check either way.
    Have you checked all 3 reference agencies to see if there are any anomalies, a usual one with the mobile providers seems to be a very slight address mismatch between what is held by the CRA and what you put on the application.
Meet your Ambassadors

Categories

  • All Categories
  • 341.8K Banking & Borrowing
  • 249.7K Reduce Debt & Boost Income
  • 449.2K Spending & Discounts
  • 234K Work, Benefits & Business
  • 606.2K Mortgages, Homes & Bills
  • 172.5K Life & Family
  • 246.9K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 15.8K Discuss & Feedback
  • 15.1K Coronavirus Support Boards