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on 08-23-2022 06:07 PM
Hi all, have a contract thats due to finish in March next year. If I pay the early upgrade fee, do Three run a credit check? Tried a second line and failed so would have to upgrade but no point if check would be run!
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on 05-08-2024 11:13 AM
Hi @Antg83,
I'm sorry to hear this. Last year we've moved to a new type of plan called Three Your Way. This is an FCA regulated product which includes a 0% APR loan for device plans. This does mean we need to run credit and affordability check with upgrades now.
Thanks,
Jonathan
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on 07-05-2024 06:46 PM - last edited Wednesday by JonathanB
Hello.
You can appeal a credit application. To do that, send us an email to credit.checking@contact.three.co.uk
Please include a recent copy of your credit file, all address in the past 3 years, your date of birth, and a copy/image of your drivers license or passport.
Once you've sent that info, you should hear back from the team within 1 working day.
Pete.
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a week ago
Been a 3 customer since 2008, but want to replace my iPhone 14 Pro Max in the same way I’ve upgraded every 24 months. Not prepared to go through a credit check as I have recently retired early and I’m only withdrawing a small lump sum of my private pension once a year, but have no mortgage on my family home and have the proceeds of a recent house sale saved in various accounts.
My credit score will be unlikely to go through as it dropped hard after paying off the mortgage 4 years ago - go figure!
I’ve never missed a payment on my phone contract since I began, but wanted to upgrade to a monthly plan and phone at £30 a month less than I’m currently paying and will be unable to. Guess you just lost a loyal customer…
Wednesday
Hi @58warren,
I'm sorry to hear this. These credit checks are carried out in order to ensure we're acting responsibly and in line with FCA expectations. The option to purchase a phone outright, or to take a SIM only plan are still available if you'd prefer not to be credit checked against the value of a device when you upgrade.
Thanks,
Jonathan
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Friday
I hope they realise how many loyal customers they are going to lose. Three need ro seriously rethink this approach to upgrade. Disgraceful