Denied broadband due to credit checks when moving

Uncolored26

Hello,

First time here so bear with me if this is a mess of a post!


I'm moving next week into my very first home and I have been trying to get on top of broadband ahead of the move I work from home 4 days a week so thought being proactive would be the best, especially with the time it takes for them to install it!

I applied for a decent package well within my budget and actually lower cost than what I'm currently paying for broadband. I got an email saying they couldn't offer the service due to credit checks. My credit file is mostly good, no missed payments, good income vs outgoings, on electoral roll (at current address) etc. The only issue I have on my account is a CIFAS marker from being the victim of Identity Fraud (February this year) which I've sorted out.

I've never been denied broadband before and after a search online I decided to appeal the automated refusal and ask for a manual review - explaining the situation of me moving and the CIFAS marker, I even offered alternative forms of ID and mentioned I'd be willing to pay a deposit. Still rejected. I worry now that I'm not going to be able to get a broadband package at my new home for a while and I don't want to apply with another company right now.

I've seen that my most viable option right now would be a monthly rolling 5G plan with a router but I have no knowledge of if this would work for me, I need to upload and download huge files for work so worry about data usage. What are the best options for me right now? Will the CIFAS marker continue to cause me issues until it's gone from my account?

Thanks

GrubbyGirl_2

Why not just move your current provider with you?

Uncolored26

https://forums.moneysavingexpert.com/discussion/comment/81965671#Comment_81965671

My current provider isn't available where I'm moving to :(

MattMattMattUK

It might be that you failed verification because of the new address.

Unless you use huge amounts of data you could tether, which is probably the simplest option, once you are moved you will probably find it goes through fine.

JSmithy45AD

https://forums.moneysavingexpert.com/discussion/6664460/denied-broadband-due-to-credit-checks-when-moving

Why not try another supplier? Has the one that refused you done a hard credit check that flags on your credit history?

eddddy

This article mentions a couple of broadband providers who don't do credit checks…

https://www.moneysupermarket.com/broadband/no-credit-check-broadband/

JSmithy45AD

https://forums.moneysavingexpert.com/discussion/comment/81965827#Comment_81965827

For what it's worth I asked Google AI. There was a good point made that you'll be more successful if you don't try and bundle premium TV services or add a mobile deal.

Providers and Their Typical Credit Check PoliciesPolicies can change, so it is often best to confirm with the provider directly before completing a sign-up. 

• No Credit Check: Some providers do not carry out credit checks at all. This is often the case for 30-day rolling contracts or social tariffs.
  • Plusnet: Generally does not require a credit check for its broadband packages.
  • NOW Broadband: Historically known for no credit checks, though some newer contracts "powered by Sky" may involve a check.
  • Direct Save Telecom: Does not perform a credit check but may require an active payment method and upfront payment.
  • Social Tariffs: Most low-income "social tariffs" (like those from BT or Virgin Media) do not require a credit check.
• Soft Credit Check (Standard): Most major providers typically use a soft search for standalone broadband deals.
  • Sky: Only carries out a soft search for standalone broadband.
  • BT / EE / Vodafone: Typically use a soft check for new broadband-only customers.
• Hard Credit Check (Likely): You are most likely to face a hard credit check in these scenarios:
  • Bundled Services: Adding premium TV packages or a mobile phone handset to your broadband plan often triggers a hard search.

Cisco001

Could it cause by you haven't actually move into the place yet?

Get a no contract unlimited data SIM. It would be handy when your permanent broadband not ready yet.

onomatopoeia99

You could try to speak (on the telephone) to A&A and explain the situation and see if they would accept you, though since you have been vaguer than a vague thing that's having a particularly vague day about the infrastructure available where you are moving to we have no idea what providers would be available. I RDP into work over two 4k monitors and suffer zero latency (FTTC about 75Mbps), but do not transfer massive files, our company data remains in the office rather than coming to my home network.

I only suggest A&A from being a long term customer and knowing that you can speak to a human there that is able to make decisions, and from personal experience that they don't run away from situations a bit out of the ordinary.

Trying to take over before you have completed (have you exchanged?) might cause a problem though, make sure anyone you approach is aware.

DarthDaisy

https://forums.moneysavingexpert.com/discussion/comment/81967011#Comment_81967011

That is smart thinking, an unlimited month to month SIM can cost around £16, or a lebara MSE deal under £2 a month for 9 months albeit not unlimited.data.

You can have a note put on your credit record about certain things.

Many years ago someone tried to take out mobile phone contracts in my name, they had a similar name and swapped initials. It prevented me getting a mortgage for six months.

It seems as if they have used your new address, no voter roll at that address and dodgy history.

Personally I would never buy TV services from a Broadband provider, I have seen it used as a trap to lock you in if you try to quit the broadband.