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gadgetboytom Posts: > 500
The number of checks is a myth, checks dont affect your rating.
Defaults and missed payments do.
Tmobile state on the contract that it is "subject to secondary checks"
I suggest you read things in future.
(Former area manager of cpw)
_________________
Pround owner of:
T68 with t68i front
T300,K700i
p800, p900 and p910i
And now..P990i and K800i(tmobile)
(and my crap spvm2000)
[ This Message was edited by: gadgetboytom on 2007-07-31 17:56 ]
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Posted: 2007-07-31 18:54:52
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So come on then boy where does it pay that and that means everyone on tmobile is checked twice and how can i pass with t mobile in their shop and the checks do matter as i checked with someone who works in a bank
This message was posted from a Z530i
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Posted: 2007-07-31 18:59:13
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gadgetboytom Posts: > 500
Nobody can tell you exactly how an individual credit application is scored, because lenders take different information into account in their credit scoring and may even have different scores for different products. And they won't tell you exactly how they do their calculations, as it is confidential and commercially sensitive. But if you are refused credit, they should give you a basic explanation of how scoring works, tell you the main reason for their decision and say whether this decision was because of information on your credit report.
If you are interested write to them, carphone can provide you with a
leaflet.
Oh and im not "boy" im tom.
_________________
Pround owner of:
T68 with t68i front
T300,K700i
p800, p900 and p910i
And now..P990i and K800i(tmobile)
(and my crap spvm2000)
[ This Message was edited by: gadgetboytom on 2007-07-31 18:01 ]
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Posted: 2007-07-31 19:00:10
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Been in and had the leaflet been told there is nothing adverse on my credit so everyone has this done then im sure people would like to know i was never told in the shop this was the case
This message was posted from a Z530i
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Posted: 2007-07-31 19:03:41
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The number of checks is a myth, checks dont affect your rating.
Unfortunately that is incorrect Credit checks do leave a mark on your history and can influence a lender, a high amount of credit checks in a short space of time can lead a potential lender to the decision that the buyer is in financial difficulty and trying to obtain credit as a way out.
I failed a credit check with O2 last year as they carried out two by accident and the second one failed due to them carrying out the first! so I went back to Vodafone and all was fine. O2 later apologised to me and reassured me that my credit rating was fine, and it was their error for carrying out two searches in quick succession of each other which meant the second one automatically failed!
Subsequently I wrote to O2 and requested that they removed the searches from my credit history so as to not have a negative effect on my rating, with which they agreed and promptly removed!
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Posted: 2007-07-31 19:12:09
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Sorry for the boy thing that was silly but yes i have been told it will effect my credit scope and i shouldnt try again for a few months
This message was posted from a Z530i
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Posted: 2007-07-31 19:15:26
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T-Mobile only perform secondary checks if either the initial credit score done through CPW's own credit check system is a low pass or they suspect something is strange! It may be a case where CPW's system has done 2 checks by accident and with your credit score being possibly low, has triggered an automatic decline within T-Mobile (this is a preventative measure by T-Mobile to combat suspected fraud)! Would suggest you visit a T-Mobile store and explain, they will then ring there credit referrals team to see if they can resolve and connect you there and then-sadly would mean no S500 though! Also whoever said the number of credit checks done within a short period of time does not effect your credit standin is talkin crap-it does! Dependin on your credit class, the more checks you have done, automaticaly triggers warnings to potential lenders-ie. Good score, more checks can be done within short periods of time. Low credit score-less credit checks can be done with a good outcome! :-)
This message was posted from a WAP device
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Posted: 2007-07-31 19:17:45
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The best way to pass a credit check (apart from a good rating obviously) is to use credit card as one of your forms of id and do not apply within 3 years of moving. A home phone number helps as well.
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Posted: 2007-07-31 19:19:47
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What has made me more angry is i had the check done on saturday was told to take the sim home and was using it then nothing i wonder how many people on here have bought something from them and had this done without then even knowing
This message was posted from a Z530i
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Posted: 2007-07-31 19:21:13
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@ Lovewalrus
Thank you for clearing that up, with a precise explanation!
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Posted: 2007-07-31 19:21:51
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