Originally Posted by
TH14:
“I went to buy a BB Bold 9700 2 weeks ago at CPW on an Orange Dolphin tariff. I've been with O2 for years on a £35 a month contract and never missed a payment and I certainly havent got any debt so I was really surprised to fail the credit check
I just ended up sticking with O2 but I was surprised and I dont know what criteria they use”
If you've never had a credit card, loan, overdraft or something that you've repaid on time, you tend to have absolutely no credit rating - so when Orange come along, their system just tells them there isn't enough information to make a decision.
It's a strange one, though - because normally, having a phone contract and paying it well would give you some sort of credit rating. I did that at 18, didn't want a credit card or anything but wanted a credit rating for the future, so took out a low-end 12-month Vodafone contract which did the trick.