Credit reports and mobile phone companies

[RizzoTheRat]

Does getting a credit report harm your credit rating? How much detail do you have do give companies like Experion to be able to check it?

I signed up online for a new mobile phone contract last night, and have just had an e-mail from the supplier (buymobile.net) saying Iv'e been refused by the network (EE). Only reason I can think of them refusing someone is credit rating, but I'd expect mine to be good (mortgage that I've never missed a payment on, 2 credit cards paid off every month).

Is it worth me just signing up again and hoping there was a wrong bit of info on the application, or should I be checking my credit rating and seeing if EE will give me a reason?

[RizzoTheRat]

I didn't realise they were that cheap, I'll give it a try.

P-Jay said:

Only reason I can think of them refusing someone is credit rating, but I'd expect mine to be good (mortgage that I've never missed a payment on, 2 credit cards paid off every month). Might not be the only reason.

Any others you can think of off hand? Colleague just suggested I check my credit rating as I could have been a victim of identity theft which makes sense. Lived in my current house for about 8 years so doubt it's anything to do with the address or I'd have discovered it now.

It's only a <£14/month contract too :rollseyes:

I did wonder if it could be something silly like me putting Chris on the form and them checking it against something that said Christopher, I've had that before when visiting some sites and the gatehouse taking ages to work it out.

[RizzoTheRat]

Noodle report gives me 5/5, although surprisingly it says in the search history that there was an administration review from Wonga.com in march 2013, I've certainly never touched them and 99.99% sure the Mrs hasn't either.

[RizzoTheRat]

phil-sti said:

I have an excellent rating with Equifax and Experian but only have 2/5 from Callcredit, yet they all have the same info them.

Presumably EE get a report from one of those 3, but I have now ay of knowing which one so will need to check all 3, or will EE be able to tell me which one they use?

[RizzoTheRat]

Could be. I reckon I'll give EE and bell to see if they'll tell me what the problem is (probably not) and give it another try tonight just in case I got a bit of info wrong on the form that caused it.

[RizzoTheRat]

Well buymobiles say it's EE who refused me and I'd have to ask them, but EE say it will be buymobiles that refused me and I'd have to ask them

I did notice that I'd put my name as Rizzo Rat on the form when it's Mr R T Rat on my bank card so I've tried reapplying with the exact wording that's on my card as I should have done in the first place to see if that makes a difference.

[RizzoTheRat]

That wouldn't surprise me, but I don't know why they've queried the credit report on this address. Neither I nor the Mrs have ever used them and we've been here 8 years.

Just had an e-mail to say the phone's been dispatched and will be with me tomorrow so they must have just objected to the way I'd put my name.

[RizzoTheRat]

Revisitph said:

20+ years of solid CC history don't appear on my record - is it because my card (though it is VISA) is branded with the bank's brand and paid off automatically from an account with that bank as soon as the statement is generated?

My Santander credit card that's paid by DD from my Santander bank account shows up on Noodle.