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Yes thanks for that so is it just t mobile or is it all networks because i know i can ring orange now and get a good pass
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Posted: 2007-07-31 19:24:35
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Each company use different criteria when carrying out searches, so it may be that you will pass with one and not another!
Also one may check with Experian and the other Equifax and these credit scoring companies may hold different information!
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Posted: 2007-07-31 19:31:05
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Yeah i know but i dont understand how i can pass with t mobile themselves and not car phone
This message was posted from a Z530i
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Posted: 2007-07-31 19:35:09
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To be honest most networks have a similar credit score points limit! Most networks have increased the points needed to reduce bad debt they gained several years ago in am attempt to outdo each other with customer base numbers! If a network notices it gbp a high decline rate and there connections are droppin, they'll reduce the score needed by a small margin to compensate and get connections up! 3 requires the lowest score (or so i'm told) as there desperate to get the numbers in! From a personal point of view, i would always use a network owned shop as they can always refer a decision if they think somethin has gone wrong and get a quick response! Hope this helps :-)
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Posted: 2007-07-31 19:36:15
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What exactly have you done?
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Posted: 2007-07-31 19:36:55
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Well i have passed in a t mobile store near me so i will probably get a new contract from there but i hope everyone reading this will think twice about going into the cpw
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Posted: 2007-07-31 19:40:22
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Would be quick if i were you David, credit checks are only valid for 10days mate :-)
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Posted: 2007-07-31 19:47:21
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To confirm:
Multiple credit checks WILL have a detrimaental effect on your credit rating.
Accroding to Equifax (and I believe Experian take the same line), "credit grantors views more than two searches within six months as unfavourable."
However, that said, there are numerous elements that make up your credit score (i.e. history of repayments of loans/credit cards; length of time at address, county court judgements, time with bank, electrol role etc...).
The amount your score will have decreasxed as a result of a 2nd check is likley to be very small.
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Posted: 2007-07-31 19:52:13
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Yeah will be getting a new phone in a couple of days i wouldnt mind so much but i dont have anything bad on my name as far as i know
This message was posted from a Z530i
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Posted: 2007-07-31 20:00:41
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It pays to check!!
It normally cost's £2 each to request the information both Equifax and Experian hold on yourself, and is well worth checking over from time to time to ensure all details they hold are correct, i.e. check your address is correct, when I moved different companies held different addresses for myself and took ages to update their records some failed miserably in doing so, so I kept nagging them!
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Posted: 2007-07-31 20:05:12
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