Pay monthly services

[Hello1024]

I tried to sign up for a pay monthly sim-only contract, and a credit check was required (surprising, since they bill each month in advance, and give no phone with it)

I failled the credit check.

I checked with Equifax and Experian, Vodafones credit providers, and both said there was nothing wrong with my accounts.  As far as I know, I have no outstanding debt or late paid bills, have plenty of cash in my direct debit account, and have lived at my non-rented non-mortgaged address for 11 years.  Experian gave a credit score of 999, and Equifax gave all green ticks.  Neither company had any record of being asked for a credit check from Vodafone.

Customer services sent me round 6 different departments, and nobody seemed to be able to fathom out why it failed...

Anyone here have any clues?

[Ben_H]

Hi Hello1024,

First things first, a very warm welcome to the eForum

It's great to hear you're looking to sign up on a pay monthly agreement to save a bit of money. Given your credit score, I'm a little baffled myself as to why the credit check hasn't passed on this occasion. It may be down to a keying error or a hiccup on the automated systems so I'll be more than happy to investigate this manually for you alongside our credit vetting team.

I'm going to send an email to your registered address so if you could fill in as much detail as possible (including the plan you'd selected) we'll get in touch to sort everything out

Cheers, Ben

Web Relations Team

[simax]

Firstly, never ever trust the "scores" from Experian et al. They are only guides, and every company have different acceptance criteria.

Also, a "score" of 999 is usually a default score they provide when they don't have enough information about you to give a proper score, so take the 999 with a very big pinch of salt.

I'm sure though it's a "red-tape" error and the web team will be able to resolve.