I've just applied for a new moby contract with 3 and have been refused because of my credit rating! 3's explanation of possible causes is:
Here are a few examples of the type of issues that could affect your score:
• Having little or no information held by the Credit Reference Agency
• Falling behind with payments on a credit agreement
• Having failed to pay previous credit agreements
• Having County Court Judgements or other publicly registered information
I've never been in any kind of debt in my life and none of the above apply at all, so what's my problem? Is it because I've already got 2 contracts with 3 (one for my wife and one for my son)? If so, why don't they just say that? I'm absolutely livid because I've spent months waiting for the right deal to come along for myself and when it did, 3 'bounced' me. Now the deal has gone.
If I wish to appeal, I must first obtain my credit info as follows:
If you wish to see details of information held by the credit reference agencies, you should write to the companies below, enclosing a cheque or postal order for £2.00 made payable to the relevant company:
Why the hell should it cost me £2 + much time and effort for somebody else's mistake?
Mega narked of hukd!
(BTW, I don't necessarily blame 3, as they're not the ones who have blackened my credit rating, assuming they've looked up the correct person, of course!)