need help for credit check and phone contract

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  Jasonl159910 months, 2 weeks ago #1Show comment toolsReply

  Regardless if you tell them you've been living in the same address all your life, the credit check will show up all addresses, assuming you've been on the electoral roll for each?
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  ichifan10 months, 2 weeks ago #2Show comment toolsReply

  Jasonl1599

  Regardless if you tell them you've been living in the same address all your life, the credit check will show up all addresses, assuming you've been on the electoral roll for each?

  
  
  there is no proof for my addresses at all
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  Jasonl159910 months, 2 weeks ago1 Like #3Show comment toolsReply

  Doesn't sound good then. I wouldn't expect them to give you a contract, but guess it won't hurt to try?
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  smellyonion10 months, 2 weeks ago2 Likes #4Show comment toolsReply

  Well, providing you have some form of credit, say an overdraft, you should be ok. Credit shows trustworthiness. A current account woth no overdraft or credit cards would be very difficult.
  
  When they check your credit, they look at 2 things, the total amount of credit you have(overdraft, credit card, loans) and your payment history (direct debit). I dont think a mobile phone company will give a toss about address providing you make your payments and have some credit, you are not applying for mortgage where things like address are huge.
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  rsethi10 months, 2 weeks ago2 Likes #5Show comment toolsReply

  go to your local store and sometimes they take £100 deposit which then gets adjusted in your bill after a few months. I know that Phones4U used to do this...
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  aircanman10 months, 2 weeks ago1 Like #6Show comment toolsReply

  Should be fine, be honest.
  
  My stepbrother got a contract with a debit card that had never been used, they don't see your direct debits, they just see your credit outstanding and if you pay or not, and how many times you have applied for credit.
  
  Worst thing that could happen is you pay a deposit for security.
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  boohai10 months, 2 weeks ago1 Like #7Show comment toolsReply

  Why don't you just check your own credit record? Then you'll know whether it's likely they'll give you a contract.
  
  http://www.moneysavingexpert.com/loans/credit-rating-credit-score/
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  ichifan10 months, 2 weeks ago #8Show comment toolsReply

  boohai

  Why don't you just check your own credit record? Then you'll know whether it's likely they'll give you a contract.
  
  http://www.moneysavingexpert.com/loans/credit-rating-credit-score/

  
  
  does the checking online lower my credit score? and assumes that it gives me a credit score then how can I know if that score satisfies some network' contract ? do u know any level. I did find some websites offering free credit checking but I am afraid of fraud when I give them my bank account details. so confused but I really need a phone now.
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  aircanman10 months, 2 weeks ago #9Show comment toolsReply

  ichifan

  boohai

  Why don't you just check your own credit record? Then you'll know whether it's likely they'll give you a contract.
  
  http://www.moneysavingexpert.com/loans/credit-rating-credit-score/

  
  
  does the checking online lower my credit score? and assumes that it gives me a credit score then how can I know if that score satisfies some network' contract ? do u know any level. I did find some websites offering free credit checking but I am afraid of fraud when I give them my bank account details. so confused but I really need a phone now.

  
  
  Finding out your own credit history will not help you one bit to be honest, just try and get a phone and see what happens, its easier than posting on here!! They can only say no, so don't worry about it.
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  n1k4i10 months, 2 weeks ago #10Show comment toolsReply

  Firstly you can check your credit score for free using noddle.co.uk I use it myself and is good saw it on the one show.
  Secondly I work in a phone shop and it can be quite tough with various addresses however u can pay a deposit and u can also appeal it If u have further proofs. Also just a little heads up on the fact computer systems are always going down in stores and they don't want to miss out on a sale so will often over ride this just gotta keep popping in different stores and chancing it!
  It's always better to go straight to the actual networks shop in these cases as they have more power to override!
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  csiman10 months, 2 weeks ago #11Show comment toolsReply

  ichifan

  boohai

  Why don't you just check your own credit record? Then you'll know whether it's likely they'll give you a contract.
  
  http://www.moneysavingexpert.com/loans/credit-rating-credit-score/

  
  
  does the checking online lower my credit score? and assumes that it gives me a credit score then how can I know if that score satisfies some network' contract ? do u know any level. I did find some websites offering free credit checking but I am afraid of fraud when I give them my bank account details. so confused but I really need a phone now.

  
  Then buy a PAYG one
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  CrazyHorses10 months, 2 weeks ago #12Show comment toolsReply

  Everyone had to start somewhere.
  
  Best not to be dishonest as these things come back to bite you in the bum later on.
  
  You are best seeing someone in a phone shop face to face as already suggested.
  
  If you are refused then you either have to get a family member to take out the contract and you repay them or if this is not possible then you will have to wait liner for a contract phone and make do with a payg.
  
  God luck, and don't go for something you may struggle to afford each month!
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  Robert020210 months, 1 week ago #13Show comment toolsReply

  Hey i work for a mobile phone company and i always suggest just give it a try whats the worst that happens? someone says not yet. if you dont pass for one get a sim only contracts. At the moment 3 have an offer for a 12 month sim only and you pay 19.99 and get a smartphone with it. 300mins 3000 texts Unlimited internet for £15. hope it helps
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  ichifan10 months, 1 week ago #14Show comment toolsReply

  hi, I have just had credit score from creditexpert. it is 713 and ranks Poor, does anyone know if I can have a phone contract with that score? thanks a lot.
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  joycey710 months, 1 week ago1 Like #15Show comment toolsReply

  go with o2. Used to work for them and the policy is if the credit score is low they take £100 deposit and after 3 clear payments (3 continuous months) you can get the money refunded or if you leave it, the bills start paying out of the £100 until it has gone.

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