I failed a credit check when buying phone.

benbenalen · 11-03-2015, 19:01

I was on the phone with EE and they were talking me though hopefully to get a deal sorted then and there, when I got to the credit checks, they asked me questions, and they said, i failed it this time round,

I'm going to town tomorrow, where should I go, EE Shop or Bank?

How should I get my credit back up just to buy it tomorrow?

I've got quite a bit of money on my debit card.

d123 · 11-03-2015, 19:23

Quote:

Originally Posted by benbenalen

I was on the phone with EE and they were talking me though hopefully to get a deal sorted then and there, when I got to the credit checks, they asked me questions, and they said, i failed it this time round,

I'm going to town tomorrow, where should I go, EE Shop or Bank?

How should I get my credit back up just to buy it tomorrow?

I've got quite a bit of money on my debit card.

If you failed a credit check (that was done properly) it could be up to 6 years before you pass one. You need to make contact with the credit agencies and find out why you failed.

Do you have any defaults or judgements? Have you been paying any accounts late?

Are you sure all the details given and submitted were correct?

There are 3 agencies, Experian, Equifax and Call Credit. You can get free trial periods to check your details with the 1st 2, and sign up with Noddle for the third.

A link
https://www.moneyadviceservice.org.u...-credit-report

Stig · 11-03-2015, 19:32

Quote:

Originally Posted by benbenalen

I have Sony Xperia SP phone that I desperately want rid of, I'm considering buying out my contract 10 months early, I know it will be a lot, but I really hate this phone now.

I currently pay about £28 a month for 1000 minutes, unlimited text, 500MB web.

I'm torn between Samsung Galaxy S5 OR 6 when its released, and Iphone 6.

I want a bigger screen so I can browse the Google web properly.

What phone do you have?

I think you need to take a look at your finances.

Given that you already have a contract, the cheapest solution long term would be to buy an unlocked phone and use your existing SIM in it. However, I'm guessing you will tell me you don't have £500 to spend on a new phone.

Chrysalis · 11-03-2015, 19:57

There can be many reasons, you wont fix it in one day.

Having no credit record can be seen as a bad credit record.
Time lived at current address may be a factor
Landline may be a factor.
Electrol roll may be a factor
State of employment may be a factor as well as salary
If you have current credit, are the payments up to date? may be a factor
Do you have existing mobile contracts? may be a factor
Have you been applying for lots of credit in a short time period? may be a factor

There can be many reasons, EE will have their own internal scoring system, external credit agencies will only be part of the process.

What I would suggest is get either a sim only or PAYG with EE, use it for 6 months or so then try again, as then you have a history with them.

Thine Wonk · 11-03-2015, 19:57

Use a service like Noddle to check and make sure everything on your credit file is correct, if you have missed repayments or not kept your finances in order then you just have to be more strict at making sure you do make payments on time etc.

It can take a while to recover from a poor credit history, MoneySavingExpert has some good advice if you google.

enapace · 11-03-2015, 20:01

Yeah I have no idea about what EE use I got turned down for a Mobile Phone contract with EE via CPW. But for the life of me I can't find out what was wrong with it and caused me to be get rejected. Equifax said I have a very good credit score. No outstanding payments or debt Electoral roll is fine etc checked the report thoroughly I received from them. Was very odd I decided to just go SIM Only and just brought my iPhone outright. Was an embarrassing situation so know how you feel I did try and find out from EE why they rejected me but they never responded.

Honestly I do wonder if the guy who served me at CPW entered details wrong as I couldn't see on what basis I would be rejected.

Chrysalis · 11-03-2015, 20:06

they not going to tell everyone how they score customers, as that would allow them to be conned easily.

But its very likely they do not solely rely on credit agencies, also agencies dont give scores, they just have a credit file. Scoring is done internally by the company.

enapace · 11-03-2015, 20:08

Quote:

Originally Posted by Chrysalis

they not going to tell everyone how they score customers, as that would allow them to be conned easily.

But its very likely they do not solely rely on credit agencies, also agencies dont give scores, they just have a credit file. Scoring is done internally by the company.

Equifax give you a credit score when you go through there trial thing so assume it's a good basis at least. Still seemed bizarre as hell and honestly just a loss of money for EE.

PS I didn't ask how they score people I just asked on what basis I was rejected think your in your right to ask that.

DevonBloke · 11-03-2015, 20:11

There are many weird reasons also.
For example a family member had a bad credit rating because they had too many credit cards.
Most of them had no balance, they were empty and there wasn't much debt but they didn't like it because there was the obvious potential to run up huge amounts of debt.
I think the total limit of all of them was about 90 grand.
Yes, do what others have said.
When I wanted to check I just signed up with Experian for my "first month free".
You get the full works including a full report (which can be very interesting).
You can then pay the whopping 15 quid per month or cancel.
I opted for option 3 which is to pay them £2 (or it might be £3) per month and with this, if there is ever any issues flagged on your rating, they notify you about it.
Simlpes!

The last time I looked though mine was 998 because I'm a very good boy!

DevonBloke · 11-03-2015, 20:17

Oh and I just remembered....
A few months ago my Cousin needed temporary Internet so I suggested we go into the EE shop in Plymouth and get her an EE monthly SIM and she could borrow my EE MiFi (as I no longer need it since the SIM is now in my Huawei Router).
She was credit checked at the time. Passed!
We came home and she then rang Vodafone to upgrade her iPhone (she wanted me there so she asked the right questions).
They credit checked her and she failed!!!!
Why?
Because the EE and Vodafone shops are in the same street (facing each other actually) and this was flagged as suspicious.
Because of this it was surprisingly easy to sort the problem once they realised what was going on.

benbenalen · 11-03-2015, 20:30

It's weird, when I was 18, I was able to purchase my own phone, I had no credit cards, just a debit card with £10 on it, I was unemployed, and was at College, and I passed it within seconds,

Now that I have money and work, I failed? I've been living in the same house for 15 years, I sometimes miss payments on my credit card bill, but always pay back in 100% full after a while, I sometimes get late payment charges, but I always pay the minimum payment.
I have a landline,

I just cancelled and brought out my previous phone contract today.

DevonBloke · 11-03-2015, 20:32

The occasional late payment won't show up. They're reasonable and realise we are human.
However a couple in a row will normally flag up.

floozie_21 · 11-03-2015, 20:37

Quote:

Originally Posted by benbenalen

It's weird, when I was 18, I was able to purchase my own phone, I had no credit cards, just a debit card with £10 on it, I was unemployed, and was at College, and I passed it within seconds,

Now that I have money and work, I failed? I've been living in the same house for 15 years, I sometimes miss payments on my credit card bill, but always pay back in 100% full after a while, I sometimes get late payment charges, but I always pay the minimum payment.
I have a landline,

I just cancelled and brought out my previous phone contract today.

Depending how tight their credit controls are then they might automatically fail anyone with missed payments (or recent missed payments). They want to be sure you can service your debts so missed payments would show that serviceability may be an issue for you.

benbenalen · 11-03-2015, 20:40

Quote:

Originally Posted by floozie_21

Depending how tight their credit controls are then they might automatically fail anyone with missed payments (or recent missed payments). They want to be sure you can service your debts so missed payments would show that serviceability may be an issue for you.

If it is something simple, like I have lots of money but my long work hours make it pretty hard to get to a bank, before it closes, I work 6 days a week, and my day off is on Sunday and I would have paid if I had online banking.

floog · 11-03-2015, 20:41

Quote:

Originally Posted by enapace

Yeah I have no idea about what EE use I got turned down for a Mobile Phone contract with EE via CPW. But for the life of me I can't find out what was wrong with it and caused me to be get rejected. Equifax said I have a very good credit score. No outstanding payments or debt Electoral roll is fine etc checked the report thoroughly I received from them. Was very odd I decided to just go SIM Only and just brought my iPhone outright. Was an embarrassing situation so know how you feel I did try and find out from EE why they rejected me but they never responded.

Honestly I do wonder if the guy who served me at CPW entered details wrong as I couldn't see on what basis I would be rejected.

CPW failed my credit check twice despite me having a perfect credit score and no other identifiable reason for being failed.

From what I understand both the dealer and the network provider carry out a check and when you query your rejection they will both blame each other. The network provider will tell you CPW are paid to put you onto certain deals and will automatically reject you from other ones only to magically accept you onto a deal you didn't originally intend to be on. Whereas CPW will tell you it is the network provider trying to turn you against CPW thus making you choose a comparatively more expensive deal with the network provider. They will both tell you that they aren't allowed to discuss the criteria for credit checks or the results of your credit check so you have no way of knowing who is telling the truth.

In the end I went with the network provider because I didn't want to be on a deal I didn't want to be on. My credit check passed first time with no problems.

Thine Wonk · 11-03-2015, 20:43

I think everyone in the thread is spot on really.

Lots of unused cards = bad
No credit history = bad
Missed payments = bad
Not on the electoral register = bad
Lots of recent searches / applications = bad

There is no 1 credit score, every company chooses the pass / fail criteria based on current fraud and default rates and other criteria.

OP check your credit file and if it's bad take advice from MoneySavingExpert to help improve it, but this will take time.

benbenalen · 11-03-2015, 20:46

Quote:

Originally Posted by Thine Wonk

I think everyone in the thread is spot on really.

Lots of unused cards = bad
No credit history = bad
Missed payments = bad
Not on the electoral register = bad
Lots of recent searches / applications = bad

There is no 1 credit score, every company chooses the pass / fail criteria based on current fraud and default rates and other criteria.

OP check your credit file and if it's bad take advice from MoneySavingExpert to help improve it, but this will take time.

Sorry to be a bother, Please can someone give me website that is safe to check it online?

I have no experience in any of this.

moox · 11-03-2015, 20:46

Quote:

Originally Posted by benbenalen

If it is something simple, like I have lots of money but my long work hours make it pretty hard to get to a bank, before it closes, I work 6 days a week, and my day off is on Sunday and I would have paid if I had online banking.

Why don't you get online/phone banking or put stuff on a direct debit? Credit card companies will just take the relatively low minimum payment unless you tell them otherwise, and it'll stop it being a blemish on the credit report.

If you can't get to a bank it makes sense to use the tools the bank provides to get around that

Stig · 11-03-2015, 20:50

Quote:

Originally Posted by benbenalen

Sorry to be a bother, Please can someone give me website that is safe to check it online?

I have no experience in any of this.

As above, Noddle.

You can get your credit card company to take full payment every month by Direct Debit, so there is no reason to miss payments. I am guessing this is the reason you failed the credit check.

Stiggles · 11-03-2015, 20:54

I have no credit file so i get refused every single time i apply.

Ever since i was young i bought outright everything i need. Even now i do, but when it comes to getting a mobile contract i just can't get one! So i have to stick to PAYG which is annoying.

Thine Wonk · 11-03-2015, 20:59

Stiggles there are credit builder credit cards from people like CapitalOne with just a few hundred pound limit which you could use and pay off in full. Run one of those for a little while and then you'll be able to get phone contracts.

benbenalen · 11-03-2015, 21:02

Quote:

Originally Posted by Stig

As above, Noddle.

You can get your credit card company to take full payment every month by Direct Debit, so there is no reason to miss payments. I am guessing this is the reason you failed the credit check.

I've just used it, and it couldn't identify me, and now it wont let me modify it again?

This is so frustrating,

The only thing I can think of is the way my name is spelt on my passport and the way I have spelt it since starting school.

d123 · 11-03-2015, 21:07

Quote:

Originally Posted by enapace

Equifax give you a credit score when you go through there trial thing so assume it's a good basis at least. Still seemed bizarre as hell and honestly just a loss of money for EE.

PS I didn't ask how they score people I just asked on what basis I was rejected think your in your right to ask that.

The credit "score" is just something to get you to buy their subscription, their is no "credit score" in this country, the company doing the credit check gets the raw data and "scores" it to their own criteria.

Quote:

Originally Posted by benbenalen

Sorry to be a bother, Please can someone give me website that is safe to check it online?

I have no experience in any of this.

Post #2 I listed a link to the government page relating to credit agencies and how to get your files. Plenty of other posts give info, perhaps read through the thread again?

In case you can't find the link in my previous post

, here it is again:

https://www.moneyadviceservice.org.u...-credit-report

Quote:

Originally Posted by benbenalen

I sometimes miss payments on my credit card bill, but always pay back in 100% full after a while, I sometimes get late payment charges,
.

There you go, you have your reason, every time you do that your file takes a hit. If you want credit in the future you need to start paying your bills on time.

Persistent late paying, or missing payments is the worst possible thing you can do (short of outright defaulting).

floozie_21 · 11-03-2015, 21:10

Quote:

Originally Posted by benbenalen

If it is something simple, like I have lots of money but my long work hours make it pretty hard to get to a bank, before it closes, I work 6 days a week, and my day off is on Sunday and I would have paid if I had online banking.

Most companies will have specific credit controls in place which will give them a Pass/Fail based on a number of variables. They won't ask the detail behind those missed payments, they will just see that there are missed payments.

As others have mentioned, you can set up minimum repayments on your credit cards by direct debit to avoid any missed payments. Or you can pay your cards via telephone banking which most, if not all, credit card companies allow you to do.

I've not used Noddle but I signed up for the free trial with Experian when I wanted to check my credit file. Just make sure you remember to cancel it thereafter.

Thine Wonk · 11-03-2015, 21:13

There is also Experian, Equifax and Call Credit, you will need to validate yourself though via your name, address and other details. If you don't get it right then usually they will send you a letter with a code on to validate you live at the address.

All I can recommend is pointing you at MoneySavingExpert's help pages with credit files, they have a lot of information there including companies that are likely to offer starter credit or help build or repair a credit file.

11-03-2015, 19:01	#1
benbenalen Forum Member Join Date: Jun 2011 Location: Albert Square Posts: 10,674	I failed a credit check when buying phone. I was on the phone with EE and they were talking me though hopefully to get a deal sorted then and there, when I got to the credit checks, they asked me questions, and they said, i failed it this time round, I'm going to town tomorrow, where should I go, EE Shop or Bank? How should I get my credit back up just to buy it tomorrow? I've got quite a bit of money on my debit card.

11-03-2015, 19:23	#2
d123 Forum Member Join Date: Jul 2007 Posts: 3,993	Quote: Originally Posted by benbenalen I was on the phone with EE and they were talking me though hopefully to get a deal sorted then and there, when I got to the credit checks, they asked me questions, and they said, i failed it this time round, I'm going to town tomorrow, where should I go, EE Shop or Bank? How should I get my credit back up just to buy it tomorrow? I've got quite a bit of money on my debit card. If you failed a credit check (that was done properly) it could be up to 6 years before you pass one. You need to make contact with the credit agencies and find out why you failed. Do you have any defaults or judgements? Have you been paying any accounts late? Are you sure all the details given and submitted were correct? There are 3 agencies, Experian, Equifax and Call Credit. You can get free trial periods to check your details with the 1st 2, and sign up with Noddle for the third. A link https://www.moneyadviceservice.org.u...-credit-report

11-03-2015, 19:32	#3
Stig Forum Member Join Date: Sep 2003 Location: Sandy Heath, Beds. UK Posts: 10,383	Quote: Originally Posted by benbenalen I have Sony Xperia SP phone that I desperately want rid of, I'm considering buying out my contract 10 months early, I know it will be a lot, but I really hate this phone now. I currently pay about £28 a month for 1000 minutes, unlimited text, 500MB web. I'm torn between Samsung Galaxy S5 OR 6 when its released, and Iphone 6. I want a bigger screen so I can browse the Google web properly. What phone do you have? I think you need to take a look at your finances. Given that you already have a contract, the cheapest solution long term would be to buy an unlocked phone and use your existing SIM in it. However, I'm guessing you will tell me you don't have £500 to spend on a new phone.

11-03-2015, 19:57	#4
Chrysalis Forum Member Join Date: Sep 2003 Location: Leics Posts: 581	There can be many reasons, you wont fix it in one day. Having no credit record can be seen as a bad credit record. Time lived at current address may be a factor Landline may be a factor. Electrol roll may be a factor State of employment may be a factor as well as salary If you have current credit, are the payments up to date? may be a factor Do you have existing mobile contracts? may be a factor Have you been applying for lots of credit in a short time period? may be a factor There can be many reasons, EE will have their own internal scoring system, external credit agencies will only be part of the process. What I would suggest is get either a sim only or PAYG with EE, use it for 6 months or so then try again, as then you have a history with them.

11-03-2015, 19:57	#5
Thine Wonk Forum Member Join Date: Mar 2009 Posts: 14,577	Use a service like Noddle to check and make sure everything on your credit file is correct, if you have missed repayments or not kept your finances in order then you just have to be more strict at making sure you do make payments on time etc. It can take a while to recover from a poor credit history, MoneySavingExpert has some good advice if you google.

11-03-2015, 20:01	#6
enapace Forum Member Join Date: Mar 2013 Posts: 4,249	Yeah I have no idea about what EE use I got turned down for a Mobile Phone contract with EE via CPW. But for the life of me I can't find out what was wrong with it and caused me to be get rejected. Equifax said I have a very good credit score. No outstanding payments or debt Electoral roll is fine etc checked the report thoroughly I received from them. Was very odd I decided to just go SIM Only and just brought my iPhone outright. Was an embarrassing situation so know how you feel I did try and find out from EE why they rejected me but they never responded. Honestly I do wonder if the guy who served me at CPW entered details wrong as I couldn't see on what basis I would be rejected.

11-03-2015, 20:06	#7
Chrysalis Forum Member Join Date: Sep 2003 Location: Leics Posts: 581	they not going to tell everyone how they score customers, as that would allow them to be conned easily. But its very likely they do not solely rely on credit agencies, also agencies dont give scores, they just have a credit file. Scoring is done internally by the company.

11-03-2015, 20:08	#8
enapace Forum Member Join Date: Mar 2013 Posts: 4,249	Quote: Originally Posted by Chrysalis they not going to tell everyone how they score customers, as that would allow them to be conned easily. But its very likely they do not solely rely on credit agencies, also agencies dont give scores, they just have a credit file. Scoring is done internally by the company. Equifax give you a credit score when you go through there trial thing so assume it's a good basis at least. Still seemed bizarre as hell and honestly just a loss of money for EE. PS I didn't ask how they score people I just asked on what basis I was rejected think your in your right to ask that.

11-03-2015, 20:11	#9
DevonBloke Forum Member Join Date: Apr 2011 Location: Totnes, Devon Posts: 6,694	There are many weird reasons also. For example a family member had a bad credit rating because they had too many credit cards. Most of them had no balance, they were empty and there wasn't much debt but they didn't like it because there was the obvious potential to run up huge amounts of debt. I think the total limit of all of them was about 90 grand. Yes, do what others have said. When I wanted to check I just signed up with Experian for my "first month free". You get the full works including a full report (which can be very interesting). You can then pay the whopping 15 quid per month or cancel. I opted for option 3 which is to pay them £2 (or it might be £3) per month and with this, if there is ever any issues flagged on your rating, they notify you about it. Simlpes! The last time I looked though mine was 998 because I'm a very good boy!

11-03-2015, 20:17	#10
DevonBloke Forum Member Join Date: Apr 2011 Location: Totnes, Devon Posts: 6,694	Oh and I just remembered.... A few months ago my Cousin needed temporary Internet so I suggested we go into the EE shop in Plymouth and get her an EE monthly SIM and she could borrow my EE MiFi (as I no longer need it since the SIM is now in my Huawei Router). She was credit checked at the time. Passed! We came home and she then rang Vodafone to upgrade her iPhone (she wanted me there so she asked the right questions). They credit checked her and she failed!!!! Why? Because the EE and Vodafone shops are in the same street (facing each other actually) and this was flagged as suspicious. Because of this it was surprisingly easy to sort the problem once they realised what was going on.

11-03-2015, 20:30	#11
benbenalen Forum Member Join Date: Jun 2011 Location: Albert Square Posts: 10,674	It's weird, when I was 18, I was able to purchase my own phone, I had no credit cards, just a debit card with £10 on it, I was unemployed, and was at College, and I passed it within seconds, Now that I have money and work, I failed? I've been living in the same house for 15 years, I sometimes miss payments on my credit card bill, but always pay back in 100% full after a while, I sometimes get late payment charges, but I always pay the minimum payment. I have a landline, I just cancelled and brought out my previous phone contract today.

11-03-2015, 20:32	#12
DevonBloke Forum Member Join Date: Apr 2011 Location: Totnes, Devon Posts: 6,694	The occasional late payment won't show up. They're reasonable and realise we are human. However a couple in a row will normally flag up.

11-03-2015, 20:37	#13
floozie_21 Forum Member Join Date: Apr 2005 Posts: 2,846	Quote: Originally Posted by benbenalen It's weird, when I was 18, I was able to purchase my own phone, I had no credit cards, just a debit card with £10 on it, I was unemployed, and was at College, and I passed it within seconds, Now that I have money and work, I failed? I've been living in the same house for 15 years, I sometimes miss payments on my credit card bill, but always pay back in 100% full after a while, I sometimes get late payment charges, but I always pay the minimum payment. I have a landline, I just cancelled and brought out my previous phone contract today. Depending how tight their credit controls are then they might automatically fail anyone with missed payments (or recent missed payments). They want to be sure you can service your debts so missed payments would show that serviceability may be an issue for you.

11-03-2015, 20:40	#14
benbenalen Forum Member Join Date: Jun 2011 Location: Albert Square Posts: 10,674	Quote: Originally Posted by floozie_21 Depending how tight their credit controls are then they might automatically fail anyone with missed payments (or recent missed payments). They want to be sure you can service your debts so missed payments would show that serviceability may be an issue for you. If it is something simple, like I have lots of money but my long work hours make it pretty hard to get to a bank, before it closes, I work 6 days a week, and my day off is on Sunday and I would have paid if I had online banking.

11-03-2015, 20:41	#15
floog Inactive Member Join Date: May 2012 Posts: 949	Quote: Originally Posted by enapace Yeah I have no idea about what EE use I got turned down for a Mobile Phone contract with EE via CPW. But for the life of me I can't find out what was wrong with it and caused me to be get rejected. Equifax said I have a very good credit score. No outstanding payments or debt Electoral roll is fine etc checked the report thoroughly I received from them. Was very odd I decided to just go SIM Only and just brought my iPhone outright. Was an embarrassing situation so know how you feel I did try and find out from EE why they rejected me but they never responded. Honestly I do wonder if the guy who served me at CPW entered details wrong as I couldn't see on what basis I would be rejected. CPW failed my credit check twice despite me having a perfect credit score and no other identifiable reason for being failed. From what I understand both the dealer and the network provider carry out a check and when you query your rejection they will both blame each other. The network provider will tell you CPW are paid to put you onto certain deals and will automatically reject you from other ones only to magically accept you onto a deal you didn't originally intend to be on. Whereas CPW will tell you it is the network provider trying to turn you against CPW thus making you choose a comparatively more expensive deal with the network provider. They will both tell you that they aren't allowed to discuss the criteria for credit checks or the results of your credit check so you have no way of knowing who is telling the truth. In the end I went with the network provider because I didn't want to be on a deal I didn't want to be on. My credit check passed first time with no problems.

11-03-2015, 20:43	#16
Thine Wonk Forum Member Join Date: Mar 2009 Posts: 14,577	I think everyone in the thread is spot on really. Lots of unused cards = bad No credit history = bad Missed payments = bad Not on the electoral register = bad Lots of recent searches / applications = bad There is no 1 credit score, every company chooses the pass / fail criteria based on current fraud and default rates and other criteria. OP check your credit file and if it's bad take advice from MoneySavingExpert to help improve it, but this will take time.

11-03-2015, 20:46	#17
benbenalen Forum Member Join Date: Jun 2011 Location: Albert Square Posts: 10,674	Quote: Originally Posted by Thine Wonk I think everyone in the thread is spot on really. Lots of unused cards = bad No credit history = bad Missed payments = bad Not on the electoral register = bad Lots of recent searches / applications = bad There is no 1 credit score, every company chooses the pass / fail criteria based on current fraud and default rates and other criteria. OP check your credit file and if it's bad take advice from MoneySavingExpert to help improve it, but this will take time. Sorry to be a bother, Please can someone give me website that is safe to check it online? I have no experience in any of this.

11-03-2015, 20:46	#18
moox Forum Member Join Date: Oct 2004 Posts: 14,645	Quote: Originally Posted by benbenalen If it is something simple, like I have lots of money but my long work hours make it pretty hard to get to a bank, before it closes, I work 6 days a week, and my day off is on Sunday and I would have paid if I had online banking. Why don't you get online/phone banking or put stuff on a direct debit? Credit card companies will just take the relatively low minimum payment unless you tell them otherwise, and it'll stop it being a blemish on the credit report. If you can't get to a bank it makes sense to use the tools the bank provides to get around that

11-03-2015, 20:50	#19
Stig Forum Member Join Date: Sep 2003 Location: Sandy Heath, Beds. UK Posts: 10,383	Quote: Originally Posted by benbenalen Sorry to be a bother, Please can someone give me website that is safe to check it online? I have no experience in any of this. As above, Noddle. You can get your credit card company to take full payment every month by Direct Debit, so there is no reason to miss payments. I am guessing this is the reason you failed the credit check.

11-03-2015, 20:54	#20
Stiggles Forum Member Join Date: Jan 2011 Location: Dundee, Scotland Posts: 9,292	I have no credit file so i get refused every single time i apply. Ever since i was young i bought outright everything i need. Even now i do, but when it comes to getting a mobile contract i just can't get one! So i have to stick to PAYG which is annoying.

11-03-2015, 20:59	#21
Thine Wonk Forum Member Join Date: Mar 2009 Posts: 14,577	Stiggles there are credit builder credit cards from people like CapitalOne with just a few hundred pound limit which you could use and pay off in full. Run one of those for a little while and then you'll be able to get phone contracts.

DS Forums

I failed a credit check when buying phone.

11-03-2015, 21:02	#22
benbenalen Forum Member Join Date: Jun 2011 Location: Albert Square Posts: 10,674	Quote: Originally Posted by Stig As above, Noddle. You can get your credit card company to take full payment every month by Direct Debit, so there is no reason to miss payments. I am guessing this is the reason you failed the credit check. I've just used it, and it couldn't identify me, and now it wont let me modify it again? This is so frustrating, The only thing I can think of is the way my name is spelt on my passport and the way I have spelt it since starting school.

11-03-2015, 21:07	#23
d123 Forum Member Join Date: Jul 2007 Posts: 3,993	Quote: Originally Posted by enapace Equifax give you a credit score when you go through there trial thing so assume it's a good basis at least. Still seemed bizarre as hell and honestly just a loss of money for EE. PS I didn't ask how they score people I just asked on what basis I was rejected think your in your right to ask that. The credit "score" is just something to get you to buy their subscription, their is no "credit score" in this country, the company doing the credit check gets the raw data and "scores" it to their own criteria. Quote: Originally Posted by benbenalen Sorry to be a bother, Please can someone give me website that is safe to check it online? I have no experience in any of this. Post #2 I listed a link to the government page relating to credit agencies and how to get your files. Plenty of other posts give info, perhaps read through the thread again? In case you can't find the link in my previous post , here it is again: https://www.moneyadviceservice.org.u...-credit-report Quote: Originally Posted by benbenalen I sometimes miss payments on my credit card bill, but always pay back in 100% full after a while, I sometimes get late payment charges, . There you go, you have your reason, every time you do that your file takes a hit. If you want credit in the future you need to start paying your bills on time. Persistent late paying, or missing payments is the worst possible thing you can do (short of outright defaulting).

11-03-2015, 21:10	#24
floozie_21 Forum Member Join Date: Apr 2005 Posts: 2,846	Quote: Originally Posted by benbenalen If it is something simple, like I have lots of money but my long work hours make it pretty hard to get to a bank, before it closes, I work 6 days a week, and my day off is on Sunday and I would have paid if I had online banking. Most companies will have specific credit controls in place which will give them a Pass/Fail based on a number of variables. They won't ask the detail behind those missed payments, they will just see that there are missed payments. As others have mentioned, you can set up minimum repayments on your credit cards by direct debit to avoid any missed payments. Or you can pay your cards via telephone banking which most, if not all, credit card companies allow you to do. I've not used Noddle but I signed up for the free trial with Experian when I wanted to check my credit file. Just make sure you remember to cancel it thereafter.

11-03-2015, 21:13	#25
Thine Wonk Forum Member Join Date: Mar 2009 Posts: 14,577	There is also Experian, Equifax and Call Credit, you will need to validate yourself though via your name, address and other details. If you don't get it right then usually they will send you a letter with a code on to validate you live at the address. All I can recommend is pointing you at MoneySavingExpert's help pages with credit files, they have a lot of information there including companies that are likely to offer starter credit or help build or repair a credit file.