Credit check on upgrade?

[rendez2k]

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!

[Clodagh80]

I hope they realise how many loyal customers they are going to lose. Three need ro seriously rethink this approach to upgrade. Disgraceful 

[Saffwell09]

Hi. , the same situation has happened with me. Is there a way i could appeal? I’ve been with free for nearly 10 years. 

[PeteG]

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. 

[58warren]

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…

[JonathanB]

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

[Antg83]

Been with three for quite a few years 6+ maybe longer and had several upgrades without any problems.... my minimum term ends beginning of June and have been declined on an upgrade is this normal?

[JonathanB · Accepted solution]

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

[JonathanB]

Hi rendez2k,

Welcome to the Three Community.

I've checked this out with a colleague in the Credit Team, as long as you're upgrading an existing handset account, you won't need a further credit check carried out. If it's a SIM only plan you're upgrading we would still need to do the credit check.

Hope this helps. 🙂
JonathanB

[Jtaylor19861]

So if our handset is coming to the end and we have been with three years and fail the credit check this time what are we meant to do???

[Steveo]

Hi

i have tried to upgrade on my account which I have an existing contract about to end which I got a handset and unlimited plan with, was told through my app that I’m eligible but when I place the upgrade through it wanted to credit check and failed which I’m confused as I have already had an upgrade on my account before