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    t mobile declined my contract

    Why?

    Just check my credit history its fine! Not 1 late repayment!

    23 Comments

    maybe your credit 'score' wasnt high enough??

    loupomm

    maybe your credit 'score' wasnt high enough??


    :giggle:

    It's not just about late payments.

    I would check on M.S.E. and have a read through and get some clues.

    i was serious, i thought some companies look for a certain 'score' before they accepted someone, so those with no credit history suffer even if they are in no debt etc, whether they are up to date with payments or not.

    loupomm

    i was serious, i thought some companies look for a certain 'score' before … i was serious, i thought some companies look for a certain 'score' before they accepted someone, so those with no credit history suffer even if they are in no debt etc, whether they are up to date with payments or not.



    That's correct. The mother in-law wanted to rent a TV a while back (I know but who would ague.) and got turned down because she had NO credit history.
    Seems some companies will not give you credit until others have done first.

    loupomm

    i was serious, i thought some companies look for a certain 'score' before … i was serious, i thought some companies look for a certain 'score' before they accepted someone, so those with no credit history suffer even if they are in no debt etc, whether they are up to date with payments or not.



    Every company has different criteria.

    It can be a multitude of different reasons, i.e length of time at present address, number of addresses in the last 2/3/4 years, number of defaults, late payments, CCJ's, Available credit compared to income etc, etc, etc.

    There is not a universal score, the CRA's make up one and sell it to you at a premium. It's not worth a penny because it is only a representation, no company will use the same information.

    thesaint

    Every company has different criteria.It can be a multitude of different … Every company has different criteria.It can be a multitude of different reasons, i.e length of time at present address, number of addresses in the last 2/3/4 years, number of defaults, late payments, CCJ's, Available credit compared to income etc, etc, etc.There is not a universal score, the CRA's make up one and sell it to you at a premium. It's not worth a penny because it is only a representation, no company will use the same information.



    yeah i get you, i did say 'maybe' about the score :thumbsup:

    Banned

    have you phoned t-mobile up? they may not tell you anything but its worth a shot if you say you have been refused and really want a contract with them, am i correct in thinking you have applied instore at t-mobile shop and online at t-mobile website?

    Original Poster

    sassie

    have you phoned t-mobile up? they may not tell you anything but its worth … have you phoned t-mobile up? they may not tell you anything but its worth a shot if you say you have been refused and really want a contract with them, am i correct in thinking you have applied instore at t-mobile shop and online at t-mobile website?




    Well in store i originally applied and it was refused

    the man entered my name the wrong way round

    So my first name as surname and surname as first name

    and he said you can do it for 3 months now!

    I applied online and I got an email I can write to the credit check department to ask why!

    But do you think the name will made the difference?

    Banned

    it is no good writing to the credit check people as they dont refuse you credit, the company applying does, experian or any other credit company will not know why you where refused, they only hold information. It really does depend on many things, like i said orange will not give me a contract nor will they tell me why, yet t-mobile, o2, voirgin and vodaphone will give me two contracts, like i said phone them its worth a shot

    If you were told 'Computer says no" you are entitled to have a human check and give you an answer.

    If declined, they will tell you to check your credit file. They won't tell you anything on top of this.

    Check your Equifax report as well, some companies don't report to Experian.

    Original Poster

    sassie

    it is no good writing to the credit check people as they dont refuse you … it is no good writing to the credit check people as they dont refuse you credit, the company applying does, experian or any other credit company will not know why you where refused, they only hold information. It really does depend on many things, like i said orange will not give me a contract nor will they tell me why, yet t-mobile, o2, voirgin and vodaphone will give me two contracts, like i said phone them its worth a shot



    when i phoned them they said i need write to them!

    atm got 2 lines with Orange!

    The sales man in T Mobile write my name wrong way round because of this could it of been declined ?

    Banned

    qazim

    when i phoned them they said i need write to them!atm got 2 lines with … when i phoned them they said i need write to them!atm got 2 lines with Orange!The sales man in T Mobile write my name wrong way round because of this could it of been declined ?


    you already have two contracts? if so this may be the problem

    Original Poster

    sassie

    you already have two contracts? if so this may be the problem



    BUT!

    02 are letting me take out another line with them?

    qazim

    BUT!02 are letting me take out another line with them?



    Dude, every company has different criteria.

    o2 aren't T-Mobile.

    Banned

    qazim

    BUT!02 are letting me take out another line with them?


    different companies have different rules, to be honest i think your wasting your time and would go elsewhere

    Original Poster

    well......ill write see what they say

    how many do you need lol

    if they imput your name in wrong, thats probably why

    write to them

    Banned

    the wrong name should make no difference on a credit check, they can only check you not a wrong name

    loupomm

    how many do you need lol



    Some people have quite a few running concurrently especially if they are cash-back ones. There's money to be made.

    Original Poster

    well i am moving from orange 2 t mobile i got pac codes!

    Banned

    qazim

    well i am moving from orange 2 t mobile i got pac codes!


    you where:giggle: :giggle: :giggle:

    fyi 3 will give *anyone* a 18 month contract.
    The credit thing is odd... despite money in the bank, regularly paid loans and credit card, and a healthy business account, there are still occasions when I get turned down for things. No apparent reason, and i'm not overstretched vs income.
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