on 27-10-2024 12:45 PM
I've been a loyal customer with Three for a very long time - close to 10 years. I had the option on my Three account to upgrade early, so that's what I (tried) to do.
I contacted someone on the live chat to upgrade, chosen the phone and airtime I wanted and proceeded through the checks. I was then told, despite being with Three for almost a decade, have a fantastic credit score, that I have failed the credit check. How? I don't have any debts, no credit cards, I have a good income, my credit score is high but I've still failed? I've paid my Three bill (and all other bills) on time every month for years. I didn't have to have a credit check when I upgraded last. I was advised by the advisor to try again in 90 days. My contract ends next month. I will not be upgrading. As soon as my contact ends, I'm done. I'd rather go with someone else or have no phone at all than give Three anymore money.
on 05-11-2024 11:38 AM
So Three said it was a known issue their end! It’s now gone through after far too much time spent trying to resolve!
on 01-05-2025 09:55 PM
Issue with their end? I have just got rejected twice, maybe because I have other bills to pay, but that’s due before the date and all is well? Luck you, I have to try 90 days later 😞 …
on 01-05-2025 10:13 PM
Personally, I have not had any issue with bills (all paid on due date) for many years. Experian claim my credit is excellent. Three's resonse? Well that has become tricky! They have resorted to lies, for example. They sent me a message saying they had tried to contact me on my Three number but couldn't get hold of me. Have they forgotten that the phone, provided by Three, will show me details of all calls, including missed inbound calls etc. And no such record exists for any missed calls from Three. That, to me, is what is commonly known as a lie! Today, they sent me a message saying they have not been able to resolve my complaint and even invited me to complain to Ofcom. I may just do that!
on 28-10-2024 12:10 PM
The exact same thing has just happened to me! Three customer for 15 years. Experian credit score of "excellent", never had a late payment and never been refused credit. I've just been declined! It's crazy!
on 28-10-2024 10:24 AM
Hello there.
Ah, that's disappointing to hear, and I can imagine it was pretty frustrating for you to hear.
I'm unable to advise anything for certain when it comes to your credit report, or what Three's decision making process was, however I can confirm from personal experience outside of Three that generally the score you see isn't the biggest factor most companies are looking at. Having no debts and no credit cards doesn't help your eligibility when it comes to applying for finance, it can in fact harm your success rate. Companies are looking to see how you handle your debts, do you keep up with payments on loans and credit cards, that kind of thing. If you don't have any of those things, companies might not be able to give you finance.
It might be worth speaking to a financial adviser at your bank, as they usually offer that kind of advice, and they might be able to give you a few pointers on what things actually improve your odds when it comes to applying for finance.
Pete.
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on 21-10-2025 08:38 PM
That ridiculous,if people don't need and don't want to take loan or credit card then you reject contract ,I'm not saying for new customers but I read all feedback and everyone said the same ,like me I'm with three 7 years and is time to upgrade my contract but the credit score company declined.i always pay my bill on time and I never have any problems till now .If three not sorted this you constantly loose your loyal customer who had very bad experience with upgrade contracts always reject
