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Refused new phone due to failed credit check

David74
Fledgling

Every couple of years I will upgrade to a new IPhone.  I phoned to upgrade last week and after finalising the package was asked to consent to a credit check.  I did so and was told within 30 seconds that I had failed.  I earn pretty well and have an excellent credit rating so was a bit surprised.  Now matters become slightly curious.  I have checked my credit record in real time and no hard credit check was carried out - clearly you can’t fail a check which has not happened.  I wonder what the real reason is and why this is being misrepresented to customers?  Clearly I’m leaving Three and another provider had no issue with giving me a new phone.  

11 REPLIES 11
JJW1994
Fledgling

What a load of rubbish, your website is a joke, makes you process untold amount of credit checks but then fails to actually process the order resulting in many credit checks

Paddiewack
Superstar

FYI All mobile networks carry out a credit check if you want to upgrade.Past payment performance doesn’t guarantee current affordability.