Question for o2 customers

MrFrugalFever

My o2 account has continued ever since I set it up in about 2008 and hasn't changed other than balance owing which has been £0 for as long as I can remember as I have bought my phones outright and just ran a SIM only contract for a number of years.

I usually upgrade using the O2 refresh option to get the best deal but have stopped in recent months because it suggested they would do a hard credit search, which I don't want.

NellieH1971

spinningsheep said:

Customers who are on the "legacy" old billing system will undergo no credit check changing to a newer sim only deal, only if upgrading to a deal involving a device plan ie a fixed sum loan agreement. Customers who are on the newer billing system like the OP is (which everyone is gradually being moved over to in batches) undergo a credit search regardless, albeit a lower pass threshold for sim deals vs device plans obviously. 

When is the credit check done/reported   Only asking as it’s not a showing on my file yet. Unless it’s because I was upgraded to the new system after I joined the new contract

spinningsheep

NellieH1971 said:

spinningsheep said:

Customers who are on the "legacy" old billing system will undergo no credit check changing to a newer sim only deal, only if upgrading to a deal involving a device plan ie a fixed sum loan agreement. Customers who are on the newer billing system like the OP is (which everyone is gradually being moved over to in batches) undergo a credit search regardless, albeit a lower pass threshold for sim deals vs device plans obviously. 

When is the credit check done/reported   Only asking as it’s not a showing on my file yet. Unless it’s because I was upgraded to the new system after I joined the new contract

Yes this would make sense. If you upgraded to another sim only plan prior to the migration taking place, no credit search would have been run, hence no footprint on your files. The exception would have been if you'd upgraded to a device, then a hard search would have been run regardless. Sounds like you upgraded just prior to migration.