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    T - Mobile Credit Check

    Hello,

    Went to get a new contract with T Mobile today and my flipping credit check failed I dont know why. My credit history is perfect!!!!!

    Well I told them to try again and they said they cant for 3 months now!!!! Why???

    is that true? T Mobile will not do a credit check 4 three months now?

    I have to phone bank and get it sorted tomorrow!

    19 Comments

    Banned

    I had a contract from CPW and t-mobile didnt refuse it, but didnt ok it, they wanted £100 deposit, cpw told me to phone them so i phoned t-mobile and they just wanted to question something i had added on my experian file, after that they said dont worry about the deposit now we know what it is, been with them 2 years now

    Banned

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    I got refused by t-mobile before, think they're just fussy as with much less income 6 months later they then accepted me.

    Original Poster

    Benjimoron

    I got refused by t-mobile before, think they're just fussy as with much … I got refused by t-mobile before, think they're just fussy as with much less income 6 months later they then accepted me.





    Hrmmmmm did u apply 6 months later??

    I am going to ring up my bank and see why it was refused

    Banned

    qazim

    Hrmmmmm did u apply 6 months later??I am going to ring up my bank and see … Hrmmmmm did u apply 6 months later??I am going to ring up my bank and see why it was refused


    your bank will not know why it was refused

    isnt it the case too that each time you get refused it has an adverse affect on your credit score?

    Original Poster

    loupomm

    isnt it the case too that each time you get refused it has an adverse … isnt it the case too that each time you get refused it has an adverse affect on your credit score?


    But its not justifiable why I was refused. I always pay bills on time!

    Banned

    qazim

    But its not justifiable why I was refused. I always pay bills on time!


    It has nothing to do with whether bills are paid on time, well not household bills anyway, mind i dont know why im typing this as i think my ink has run out:giggle:

    Original Poster

    sassie

    It has nothing to do with whether bills are paid on time, well not … It has nothing to do with whether bills are paid on time, well not household bills anyway, mind i dont know why im typing this as i think my ink has run out:giggle:




    Then whats it got to do with? I have never been declined all my life!

    Banned

    qazim

    Then whats it got to do with? I have never been declined all my life!


    It could be anything, it could be you already have too much credit, i can get any phone contract apart from orange yet i have a BB contract with them, but they will not give me one and wont say why they wont either

    I remember about 6 and a half years ago I paid a £100 deposit for O2, had a phone 2 weeks hardly used it(had about 600 minutes free and only used about 30) they disconnected me and said they did another credit check as per terms and conditions they can do at any time and I failed so they disconnected me, charged me a fee for disconnecting early and refused to give me deposit back and also wanted me to pay for rest of months line rental!

    I got nowhere getting deposit back so gave up.

    Should of taken it further really.

    Original Poster

    sassie

    It could be anything, it could be you already have too much credit, i can … It could be anything, it could be you already have too much credit, i can get any phone contract apart from orange yet i have a BB contract with them, but they will not give me one and wont say why they wont either



    hrm :whistling: still I dont ow any credit! Just mortgage and general household bills!

    qazim

    hrm :whistling: still I dont ow any credit! Just mortgage and general … hrm :whistling: still I dont ow any credit! Just mortgage and general household bills!



    Magic word: mortgage. Obviously they think you have too much outgoings.

    Banned

    this is what annoys me about these checks, when they are refused no-one ever tells you why, they just tell you to do a check with experian etc, etc

    Original Poster

    MoneySavingG

    Magic word: mortgage. Obviously they think you have too much outgoings.


    no! Orange still accepted with my mortgage

    Problem is companies have different criteria - a single quirk in their rules might result in a rejection. T-Mobile do seem to be a bit over zealous from what I've heard.

    Banned

    do you have any contracts at the mo? we all have like a credit zone, an amount we are allowed

    Something along those lines, I was turned down for 3 banks before 1 accepted me for a student account, Natwest opened an account then phoned to say they changed mind so I got a Barclays instead, annoying as I wanted Natwest but oh well.

    Original Poster

    What happens next?When we've processed your order, we'll send you a … What happens next?When we've processed your order, we'll send you a confirmation email letting you know it's on its way. If we need more information, we'll phone or email you as soon as we can.



    Just applied Online

    How long do they take to send the confirmation email?
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