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Failed credit check

2: Seeker
2: Seeker

Why did I fail a credit check for a new Contract when I have had an account with talkmobile (subsiduary) for 2 years?

No credit issues and only company to ever refuse credit - can I actually speak to someone about this?


17: Community Champion
17: Community Champion

Vodafone will ask you to complete and submit this form @wayne_c 

Credit Check Appeal Form 

Further information here: 

Your Credit File 

@AnnS Thanks for that I have filled it in but very surprised it takes 10 days to reply! I have an account with Talk Mobile (Voda subsiduary) for the last 3 years so cannot understand why have failed! Realise Voda have to be careful but ....

17: Community Champion
17: Community Champion

Hello @wayne_c 

I can appreciate how this can be perplexing.

Unfortunately Vodafone UK are unable to provide a reason as to why a Credit Check has not been successful as their systems only show an acceptance or declined status.
They advise to contact one or more of the Credit Houses, Experian being one, in order to check that nothing wrong has been recorded there.
It doesn't always come down to a credit score problem, or a certain time at the address. As a quick example, it can be due to the amount of incoming to outgoing payments. If a customer has a mortgage and a car and something else on finance, then something else for the kids which is paid monthly, the credit check is ran to see if the customer can pay the finance (monthly cost) based on other payments per month. 
To add even a clear Credit File with good Credit Score does not guarantee acceptance. It's also good practice to let 90 days elapse before making another application in order to let the Credit Score recover.
Vodafone's help page is

Current Phone  >

Samsung Galaxy s²³ Ultra 512gb Phantom Black.



@BandOfBrothersIt seems as though a homeowner with no mortgage, paid off credit card bills, retired, at the same address for 17 years and the same bank for over 30 years,  income above average, savings with no dependants and an experian credit score of 999 is unable to meet  minimum requirements. I also have an account with a Vodafone subsidiary.

The Jury has sat and as the defendant I am not to be told about the evidence against me! Can wait 90 days to re-apply but as I cannot understand what has prevented the acceptance why would I? Don't think I will wait around when other companies will readily accept my bussiness.!

(Vodafone shares have dropped over the last few years can perhaps see why now!)