Refused credit

[The Basket]

My friend has been refused a new mobile phone contract but they did say it has nothing to do with her credit rating. Any other ideas what it maybe?

[Iansv II]

Has she ever been with that network before and had payment issues ? I know someone who got refused due to that... also when someone at a linked address had awful credit history

[Milky Bar Kid]

I once got refused a contract because I didn't have enough of a credit history...if your friend isn't prone to taking credit that may be where the issue lies...

[Bibio]

wouldn't worry about it.

one of my m8s brothers is back from Hong Kong after being out there for years. he is a partner for one of the worlds top law firms has a house worth £2.5m yada yada but he went to get a contract phone when he came back into the country and they refused him. go figure.....

[tom-k6]

i was refused when i was 19 as i didnt have a credit history, never quite understood it,because to have a good credit history you must have had credit, and to get credit you need a good credit history.....horrible circle of doom!!!

[keithd]

have sex with her and get some more information

[dizzyblonde]

Electoral role. IS she on it? If not, then thats a good one for not being given credit. No address, no proof etc.

[Owenski]

I once got refused a contract because I didn't have enough of a credit history...if your friend isn't prone to taking credit that may be where the issue lies...

+1, although I was refused a credit card for this reason - bank adivised I get a contract mobile and earn credit there for a few months before reapplying. I did and it worked - wished I'd never done it though £3600limit and it was gone fast, took me nearly 7yrs to pay it all off :(

[Ed]

Might be anything, didn't meet their credit criteria - eg because of age or income. It doesn't necessarily mean that there's a bad credit history.

[punyXpress]

Simples - she put you down as guarantor. ;)

[maxinc]

Probably just a computer glitch or a lazy operator. Try again from a different shop and most likely will get through.

[The Basket]

Gets stranger.

I applied for a new phone last month so they did a credit check on me...but they seem to have also done a credit check on her as same house.

So she applies for phone with same company a few days later so has 2 credit checks in as many weeks and so they reject.

Even though it was all my details and they shouldnt have credit checked her in Ferbruay...so trying to get an answer.