iPhone & HTC Touch Diamond

[Feek]

Nope

[Haly]

From my experiences at CPW, phone companies seemed to switch their views of what constitutes a 'good' customer around quite a bit depending on how desperate they were for new customers Some months, one network would accept everyone going while the next month, they'd accept only the best (credit check wise) customers.

I know when I was working there last year, O2 (at least through CPW) were accepting everyone, but many people were having to pay a deposit that they got back 6 months later. These ranged from £50 to £500 depending on how risky you were.
Plus like starscream said, they're not as stringent as other credit checks.

Worth a go either way

[Pebs]

They gave me a contract a couple of years back Feek and my credit rating then was shocking.

[Feek]

Aye, already in that frame of mind. I'll get a PAC from Orange and then take it into the O2 shop. If they won't sign me up then I've lost nothing and if they do then they'll be getting a customer who's never missed a payment on their mobile phone contract in many many years. Not that my credit rating will reflect that

This is still six months away anyway.

[Chuckles]

Originally Posted by Kitten

If you don't get it you've not lost anything, just try not to get your hopes up

Not quite true technically actually as a search (footprint) on your credit file will be slightly detrimental. That said, assuming Feek hasn't been applying for much else in the last 6 months, it would be minimal.

[Chuckles]

Originally Posted by Feek

they'll be getting a customer who's never missed a payment on their mobile phone contract in many many years. Not that my credit rating will reflect that

Yeah it will

Each month, Orange will provide information through to the various credit reference agencies. If you been paying on time, they will reflect this. It may be that you think you've got other bad stuff on there, but if a manual review is done, the underwriter will be able to see that you've been consistent at least with the service you are interest in switching.

Remember that there isn't really such a thing as a Credit Rating. All the agencies do is provide raw data to companies who are checking customers. It is then down the each individual company how they chose to interperate that data and offer their services accordingly.

You should definately get your files checked out if you are concerned. There may be inaccuracies which you could sort out. At least it would give you a better idea on where you stand and how long you are likely to be affected for - Defaults remain for 6 years for example then are removed

[Feek]

Aye, I'm very aware.

[Feek]

Yup, I shall.

(are we going round in circles yet? )

[Haly]

I think it's worth a try Feek.......ohhh wait have I already said that?

[Feek]

O2 are taking pre-orders as from 08:00 this morning.

http://shop.o2.co.uk/iPhone