I have an excellent credit rating and have regular access to my credit report. However, VM is the first time in years that I have been denied?
I've not missed a payment in years, I am paying back debts from about five years ago but I've never missed a payment. I'm married have been at my current workplace for nearly two years and am an outright home owner for nearly a year.
I currently do have a VM PAYG sim card but other than requesting my PAC and going with another network to get the deal I want I'm not sure what else I can do or why I am failing their credit check?