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jas-tec

Member

Registered: 10th Oct 05
Location: oxford
User status: Offline

14th Mar 10 at 19:58

i have my equifax report and it says nothing on there about phones only three mobile.so how do i go with o2.which i neaver signed up with all my life.
any idears

[Edited on 14-03-2010 by jas-tec]

jas-tec

Member

Registered: 10th Oct 05
Location: oxford
User status: Offline

14th Mar 10 at 22:34

any one.

LeeM

Member

Registered: 26th Sep 05
Location: Liverpool
User status: Offline

14th Mar 10 at 22:41

am i the only one who thinks this makes no sense?

nathy_87

Member

Registered: 14th Aug 08
Location: West Mids. Drives: Škoda Fabia VRS 5J
User status: Offline

14th Mar 10 at 22:43

jas what are you trying to say mate?

jas-tec

Member

Registered: 10th Oct 05
Location: oxford
User status: Offline

14th Mar 10 at 23:09

i been turned down on 02 and not sure why cant see it on my report and i neaver went with 02 before.

[Edited on 14-03-2010 by jas-tec]

[Edited on 14-03-2010 by jas-tec]

oceansoul

Member

Registered: 19th Jun 06
Location: Sunbury, Surrey
User status: Offline

14th Mar 10 at 23:16

Bad Credit rating?

jas-tec

Member

Registered: 10th Oct 05
Location: oxford
User status: Offline

14th Mar 10 at 23:22

no all good but had bad credit with bloody 3 though to be honist and i am no longer with 3 and still on report,

LeeM

Member

Registered: 26th Sep 05
Location: Liverpool
User status: Offline

14th Mar 10 at 23:30

yeah, when you try to take out credit or mobiles etc, they look at previous history. if its bad they dont touch you

jas-tec

Member

Registered: 10th Oct 05
Location: oxford
User status: Offline

14th Mar 10 at 23:33

i payed all of three and not been with them for 4 months and still shows on report.

Nic Barnes

Member

Registered: 5th Apr 04
Location: nowhere near ginger people
User status: Offline

14th Mar 10 at 23:35

it shows up for years for any type of finance you try to take out

jas-tec

Member

Registered: 10th Oct 05
Location: oxford
User status: Offline

14th Mar 10 at 23:39

damn it so no hope with 02 then.

Jay

Member

Registered: 26th Sep 04
Location: Liverpool
User status: Offline

15th Mar 10 at 01:30

T-mobile will probably accept you

adiohead

Member

Registered: 28th Sep 01
User status: Offline

15th Mar 10 at 03:03

PAYG is your best bet

Eck

Premium Member

Registered: 17th Apr 06
Location: Lundin Links, Fife
User status: Offline

15th Mar 10 at 03:23

You must have SHITE credit to get refused a phone tbh/

Daveskater

Premium Member

Registered: 29th Apr 08
Location: Oxford, UK Drives: Jap wagon
User status: Offline

15th Mar 10 at 08:15

quote:
Originally posted by lee_wee
am i the only one who thinks this makes no sense?

No, I thought so too but asked someone else to make sure and they agreed

Numberwang!

Originally posted by AlunJ
I like you Dave, you are a man of men

Originally Whatapp'd by Neo
Dave's maybe capable of a drive-by cuddle

Look at my pictures

Member

Registered: 10th Sep 03
User status: Offline

15th Mar 10 at 09:08

Makes no sense really, but I get the gist. I didn't even think you could get turned down for a phone contract

They gave me one

Sam

Moderator
Premium Member

Registered: 24th Dec 99
Location: West Midlands
User status: Offline

15th Mar 10 at 12:10

Your credit report won't tell you WHY you've been turned down for <whatever>, only the creditor will be able to tell you (which they obviously don't).

The only thing you will see on a credit report is the search by O2, and that will probably be on an Experian credit report IIRC, not Equifax.

Your best bet is to go for a 30 day SIM-only contract which they should give anyone with crap credit (unless you are a fraudster LOL) and then you can upgrade to a "proper" contract in say 3 month's time.

This is what I did BTW, I was originally on PAYG, went to 30 day SIM only, and now on a proper contract - and my credit history is quite bad (2006 was not a good year for me

Sam

Moderator
Premium Member

Registered: 24th Dec 99
Location: West Midlands
User status: Offline

15th Mar 10 at 12:12

quote:
Originally posted by jas-tec
no all good but had bad credit with bloody 3 though to be honist and i am no longer with 3 and still on report,

How bad is "bad"? Missed payments? Default? CCJ?

Iain M

Member

Registered: 18th Aug 05
Location: Wigan - Drives 272bhp corsa ZLET
User status: Offline

15th Mar 10 at 12:28

Took me 4 years to sort out my credit, couldn't get shit all. Enough missed payments on Loans will cause bad credit, defaults and that sort of thing. Also the more times that you apply for credit the more it scores against you.

jas-tec

Member

Registered: 10th Oct 05
Location: oxford
User status: Offline

15th Mar 10 at 14:06

i am all ready with tmobile 30 day plain and really it,s a rubbish signal to be honist.i will have to look in too Experian credit report.

adiohead

Member

Registered: 28th Sep 01
User status: Offline

15th Mar 10 at 14:24

maybe they looked at your spelling and decided against it.

jas-tec

Member

Registered: 10th Oct 05
Location: oxford
User status: Offline

15th Mar 10 at 14:42

just signed up with credit expert free 30 day trail.

[Edited on 15-03-2010 by jas-tec]

jas-tec

Member

Registered: 10th Oct 05
Location: oxford
User status: Offline

15th Mar 10 at 14:44

spelling got nothing to do with it mate nice try.

adiohead

Member

Registered: 28th Sep 01
User status: Offline

15th Mar 10 at 14:56

Sam

Moderator
Premium Member

Registered: 24th Dec 99
Location: West Midlands
User status: Offline

15th Mar 10 at 14:58

quote:
Originally posted by jas-tec
i am all ready with tmobile 30 day plain and really it,s a rubbish signal to be honist.i will have to look in too Experian credit report.

Yeah but if you want to go with O2 then just try the method I posted about...