Go Back   Wireless and Wifi Forums > Cellular Communications > Cellular Newsgroups > uk.telecom.mobile
Register FAQ Forum Rules Members List Calendar Search Today's Posts Advertise Mark Forums Read

 
Reply
 
LinkBack Thread Tools Display Modes
  #1 (permalink)  
Old 01-22-2007, 05:48 PM
Loz
Guest
 
Posts: n/a
Default Failed credit check

Just failed a credit check on e2save. First credit check I have failed

Can't really work out why. The credit check on e2save never asked how
much I was earning or anything, so how do they score it? I have 2 credit
cards (HSBC, and Morgan Stanley Platinum) - both paid by direct debit
and looking at experian got the 0000000 meaning all payments received on
time.

My total borrowing limit is 2000. Which is not a huge limit really, and
not something I wouldn't be able to support.

I have been in job for a year now (am 21) as an "MPLS data network
designer" - what gives?

Oh, also - I tried signing up on Equifax to view credit report on there,
but it said they are experiencing problems right at the end when they
tried to take my credit card details. Should the experian credit report
that I have access to (30 day trial) show the e2save/three search? I can
see my previous credit searches (ones I expected to see - but then I was
accepted)

Many thanks

Reply With Quote
  #2 (permalink)  
Old 01-22-2007, 05:55 PM
Charlie Mitchell
Guest
 
Posts: n/a
Default Re: Failed credit check

Loz wrote:
> Just failed a credit check on e2save. First credit check I have failed
>
> Can't really work out why. The credit check on e2save never asked how
> much I was earning or anything, so how do they score it? I have 2 credit
> cards (HSBC, and Morgan Stanley Platinum) - both paid by direct debit
> and looking at experian got the 0000000 meaning all payments received on
> time.
>
> My total borrowing limit is 2000. Which is not a huge limit really, and
> not something I wouldn't be able to support.
>
> I have been in job for a year now (am 21) as an "MPLS data network
> designer" - what gives?
>
> Oh, also - I tried signing up on Equifax to view credit report on there,
> but it said they are experiencing problems right at the end when they
> tried to take my credit card details. Should the experian credit report
> that I have access to (30 day trial) show the e2save/three search? I can
> see my previous credit searches (ones I expected to see - but then I was
> accepted)
>
> Many thanks


Which network?

If it was 3 the indian monkey probably put the details in wrong.

If it was O2 try O2 direct, e2save have their own O2 service
provider.

I'd recommend whichever company it was really to try them
direct, probably find you pass no problems.

Reply With Quote
  #3 (permalink)  
Old 01-22-2007, 06:06 PM
Loz
Guest
 
Posts: n/a
Default Re: Failed credit check

Charlie Mitchell wrote:

> Which network?
>
> If it was 3 the indian monkey probably put the details in wrong.
>
> If it was O2 try O2 direct, e2save have their own O2 service provider.
>
> I'd recommend whichever company it was really to try them direct,
> probably find you pass no problems.



It was 3. Problem is I'm a bit of a cashback junkie. Maybe it was a
blessing in disguise as I was probably going to only get into trouble
for using my 3 sim in my current W850i

When the Experian website finally works properly (it mucked up when I
entered my credit card details - great!) - If say, the details were
entered wrong would this show on my credit file as wrong? Or just not
show at all.

Searching this newsgroup shows a number of fails on e2save. I have a
number of friends who have mobile contracts with various operators, and
a lot have missed payments on a number of occasions and still have no
problem.




Reply With Quote
  #4 (permalink)  
Old 01-22-2007, 06:14 PM
{{{{{Welcome}}}}}
Guest
 
Posts: n/a
Default Re: Failed credit check

Thus spaketh Loz:
> Charlie Mitchell wrote:
>
>> Which network?
>>
>> If it was 3 the indian monkey probably put the details in wrong.
>>
>> If it was O2 try O2 direct, e2save have their own O2 service
>> provider. I'd recommend whichever company it was really to try them
>> direct,
>> probably find you pass no problems.

>
>
> It was 3. Problem is I'm a bit of a cashback junkie. Maybe it was a
> blessing in disguise as I was probably going to only get into trouble
> for using my 3 sim in my current W850i
>
> When the Experian website finally works properly (it mucked up when I
> entered my credit card details - great!) - If say, the details were
> entered wrong would this show on my credit file as wrong? Or just not
> show at all.
>


Depends on which bits were wrong, if you got current *and* past
addresses wrong, then it's likely that that wouldn't show on the report
as they wouldn't be able to match it with you.

If you got either the current or past address wrong then that would
show, as would spelling your name wrong.

Although the credit file is only about yourself, and you can remove
incorrect details from the report and you can remove people who you
aren't financially tied too, unless you inform them as such these
details will be listed on your report (incorrect addresses, incorrect
names etc).

> Searching this newsgroup shows a number of fails on e2save. I have a
> number of friends who have mobile contracts with various operators,
> and a lot have missed payments on a number of occasions and still
> have no problem.



--
60 day free DVD rental: www.southeastbirmingham.co.uk/dvd
Mobile Offers: www.southeastbirmingham.co.uk/mob
Items for sale: www.dodgy-dealer.co.uk


Reply With Quote
  #5 (permalink)  
Old 01-22-2007, 06:22 PM
Loz
Guest
 
Posts: n/a
Default Re: Failed credit check

{{{{{Welcome}}}}} wrote:
> Thus spaketh Loz:


>> When the Experian website finally works properly (it mucked up when I
>> entered my credit card details - great!) - If say, the details were
>> entered wrong would this show on my credit file as wrong? Or just not
>> show at all.
>>

>
> Depends on which bits were wrong, if you got current *and* past
> addresses wrong, then it's likely that that wouldn't show on the report
> as they wouldn't be able to match it with you.
>
> If you got either the current or past address wrong then that would
> show, as would spelling your name wrong.
>
> Although the credit file is only about yourself, and you can remove
> incorrect details from the report and you can remove people who you
> aren't financially tied too, unless you inform them as such these
> details will be listed on your report (incorrect addresses, incorrect
> names etc).



Thanks for this information {{{{{Welcome}}}}} - it is very interesting.
Checking my credit file with Experian everything seems normal and
nothing is concerning at all.

Though I note a couple of things

Littlewoods - Down as settled. Does this come into consideration for
lenders? I'd have thought not as it shows the account is closed and I
don't owe anything. Correct?

HSBC - I've got a credit card with them from my student account with
only a 500 limit. TBH I rarely use it, preferring my other card since
it gives cashback (albeit it only 1%) - Perhaps I should cancel this card?

Reply With Quote
  #6 (permalink)  
Old 01-22-2007, 08:58 PM
Maris
Guest
 
Posts: n/a
Default Re: Failed credit check

On Mon, 22 Jan 2007 18:48:58 +0000, Loz <me@privacy.net> wrote:

I don't trust the credit agencies to tell you the truth. Maybe it's
something akin to bad references. I was failed a credit check for
participation in a committee bank account for an organisation I am
involved with. I ordered an Experian report and it showed nothing
wrong. It should have shown me reneging on a contract with '3' (which
may or may not have been the reason for the problem with my
creditworthiness). Meanwhile I managed to start another contract with
'3' without any problem!!

Maris


>Just failed a credit check on e2save. First credit check I have failed
>
>Can't really work out why. The credit check on e2save never asked how
>much I was earning or anything, so how do they score it? I have 2 credit
>cards (HSBC, and Morgan Stanley Platinum) - both paid by direct debit
>and looking at experian got the 0000000 meaning all payments received on
>time.
>
>My total borrowing limit is 2000. Which is not a huge limit really, and
>not something I wouldn't be able to support.
>
>I have been in job for a year now (am 21) as an "MPLS data network
>designer" - what gives?
>
>Oh, also - I tried signing up on Equifax to view credit report on there,
>but it said they are experiencing problems right at the end when they
>tried to take my credit card details. Should the experian credit report
>that I have access to (30 day trial) show the e2save/three search? I can
>see my previous credit searches (ones I expected to see - but then I was
>accepted)
>
>Many thanks



Reply With Quote
  #7 (permalink)  
Old 01-22-2007, 09:19 PM
Motion
Guest
 
Posts: n/a
Default Re: Failed credit check

"Loz" me@privacy.net
wrote in message news:ep30uq$nfg$1@aioe.org...
> Just failed a credit check on e2save. First credit check I have failed


Best to order a order a Statutory Credit Report, costs 2 per report/agency
just incase there is anything else on there.

experian.co.uk
equifax.co.uk
callcredit.co.uk



Reply With Quote
  #8 (permalink)  
Old 01-22-2007, 09:23 PM
Loz
Guest
 
Posts: n/a
Default Re: Failed credit check

Motion wrote:
> "Loz" me@privacy.net
> wrote in message news:ep30uq$nfg$1@aioe.org...
>> Just failed a credit check on e2save. First credit check I have failed

>
> Best to order a order a Statutory Credit Report, costs 2 per report/agency
> just incase there is anything else on there.


Read Experian's just online - everything looks fine and as expected.
Tried Equifax but the signup process messed up, so awaiting their
customer care to hopefully fix it.

Will see if the search is there at all (It should be!) or if it's typed
in wrong somewhere. Needless to say I was surprised.

Reply With Quote
  #9 (permalink)  
Old 01-22-2007, 09:24 PM
Loz
Guest
 
Posts: n/a
Default Re: Failed credit check

Maris wrote:
> On Mon, 22 Jan 2007 18:48:58 +0000, Loz <me@privacy.net> wrote:
>
> I don't trust the credit agencies to tell you the truth. Maybe it's
> something akin to bad references. I was failed a credit check for
> participation in a committee bank account for an organisation I am
> involved with. I ordered an Experian report and it showed nothing
> wrong. It should have shown me reneging on a contract with '3' (which
> may or may not have been the reason for the problem with my
> creditworthiness). Meanwhile I managed to start another contract with
> '3' without any problem!!
>



To be fair to them, they can only go on the data supplied to them. I
just wonder what is on my Equifax report - since that's who 3 are meant
to do the credit check with.



Reply With Quote
  #10 (permalink)  
Old 01-23-2007, 06:41 AM
Jon
Guest
 
Posts: n/a
Default Re: Failed credit check

me@privacy.net declared for all the world to hear...
> Just failed a credit check on e2save. First credit check I have failed
>
> Can't really work out why. The credit check on e2save never asked how
> much I was earning or anything, so how do they score it?


History of your existing credit arrangements, bills, electoral roll
status etc.
--
Regards
Jon

Reply With Quote
  #11 (permalink)  
Old 01-23-2007, 07:35 AM
Jack Torrence
Guest
 
Posts: n/a
Default Re: Failed credit check

"Loz" <me@privacy.net> wrote in message news:ep30uq$nfg$1@aioe.org...
> Just failed a credit check on e2save. First credit check I have failed
>
> Can't really work out why. The credit check on e2save never asked how much
> I was earning or anything, so how do they score it? I have 2 credit cards
> (HSBC, and Morgan Stanley Platinum) - both paid by direct debit and
> looking at experian got the 0000000 meaning all payments received on time.
>
> My total borrowing limit is 2000. Which is not a huge limit really, and
> not something I wouldn't be able to support.
>
> I have been in job for a year now (am 21) as an "MPLS data network
> designer" - what gives?
>
> Oh, also - I tried signing up on Equifax to view credit report on there,
> but it said they are experiencing problems right at the end when they
> tried to take my credit card details. Should the experian credit report
> that I have access to (30 day trial) show the e2save/three search? I can
> see my previous credit searches (ones I expected to see - but then I was
> accepted)


If there is nothing untoward on your credit files then chances are some data
was input incorrectly when the search was done. My gf initially failed a
credit check for a 3 contract, when she called them to query it turned out
that the person who ran the credit check put the wrong postcode in.



Reply With Quote
  #12 (permalink)  
Old 01-23-2007, 12:46 PM
Chris Malcolm
Guest
 
Posts: n/a
Default Re: Failed credit check

Charlie Mitchell <jm2@charleem.co.uk> wrote:
> Loz wrote:
>> Just failed a credit check on e2save. First credit check I have failed
>>
>> Can't really work out why. The credit check on e2save never asked how
>> much I was earning or anything, so how do they score it? I have 2 credit
>> cards (HSBC, and Morgan Stanley Platinum) - both paid by direct debit
>> and looking at experian got the 0000000 meaning all payments received on
>> time.
>>
>> My total borrowing limit is #2000. Which is not a huge limit really, and
>> not something I wouldn't be able to support.
>>
>> I have been in job for a year now (am 21) as an "MPLS data network
>> designer" - what gives?
>>
>> Oh, also - I tried signing up on Equifax to view credit report on there,
>> but it said they are experiencing problems right at the end when they
>> tried to take my credit card details. Should the experian credit report
>> that I have access to (30 day trial) show the e2save/three search? I can
>> see my previous credit searches (ones I expected to see - but then I was
>> accepted)


> Which network?


> If it was 3 the indian monkey probably put the details in wrong.


> If it was O2 try O2 direct, e2save have their own O2 service
> provider.


> I'd recommend whichever company it was really to try them
> direct, probably find you pass no problems.


A long time ago I failed an Orange credit check, and was told it was
on account of my post code -- I live adjacent to two blocks of rented
flats with lots of credit defaulters and benefit fraudsters. I
reapplied on the spot using my work address and was accepted with no
problem. I then changed my address :-)

--
Chris Malcolm cam@infirmatics.ed.ac.uk DoD #205
IPAB, Informatics, JCMB, King's Buildings, Edinburgh, EH9 3JZ, UK
[http://www.dai.ed.ac.uk/homes/cam/]


Reply With Quote
  #13 (permalink)  
Old 01-23-2007, 06:06 PM
Loz
Guest
 
Posts: n/a
Default Re: Failed credit check

Jack Torrence wrote:

>
> If there is nothing untoward on your credit files then chances are some data
> was input incorrectly when the search was done. My gf initially failed a
> credit check for a 3 contract, when she called them to query it turned out
> that the person who ran the credit check put the wrong postcode in.
>
>


Waiting on my Equifax report to come through (Sent off in the post as I
couldn't get the 30 day trial on the website to work)

I suspect/hope this is what has happened. Annoying nonetheless.

Reply With Quote
  #14 (permalink)  
Old 01-23-2007, 08:53 PM
hairydog@despammed.com
Guest
 
Posts: n/a
Default Re: Failed credit check

On Mon, 22 Jan 2007 18:48:58 +0000, Loz <me@privacy.net> wrote:

>Just failed a credit check on e2save. First credit check I have failed
>
>Can't really work out why.


I expect that the muppets at 3 typed your address in incorrectly
(after all, how well would you manage with an Indian address?) and it
drew a blank on the credit checking.

--

Iain
the out-of-date hairydog guide to mobile phones
http://www.hairydog.co.uk/cell1.html
Browse now while stocks last!

Reply With Quote
  #15 (permalink)  
Old 01-27-2007, 09:12 AM
Loz
Guest
 
Posts: n/a
Default Re: Failed credit check

Loz wrote:
> Just failed a credit check on e2save. First credit check I have failed
>



Just received my Equifax report. There was no record of the search on
there at all.

Reply With Quote
  #16 (permalink)  
Old 02-04-2007, 02:44 PM
hairydog@despammed.com
Guest
 
Posts: n/a
Default Re: Failed credit check

On Sat, 27 Jan 2007 10:12:26 +0000, Loz <me@privacy.net> wrote:

>Just received my Equifax report. There was no record of the search on
>there at all.


Which is just what you'd expect if my:

>I expect that the muppets at 3 typed your address in incorrectly
>(after all, how well would you manage with an Indian address?) and it
>drew a blank on the credit checking.


was correct. After all, how well would you enter an Indian address
into a system?

--

Iain
the out-of-date hairydog guide to mobile phones
http://www.hairydog.co.uk/cell1.html
Browse now while stocks last!

Reply With Quote
Reply


« Virgin PAYG - Can you send photos? | About time too! »
Thread Tools
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is Off
HTML code is Off
Trackbacks are On
Pingbacks are On
Refbacks are On


Similar Threads
Thread Thread Starter Forum Replies Last Post
MAC address and Wifi DDoS aljuhani alt.internet.wireless 4 04-11-2007 07:54 PM
Random Network drop out issue BigAl.NZ@gmail.com alt.internet.wireless 29 01-05-2007 02:51 AM
Finarea / Betamax (VoipStunt/Cheap/SIP Discount,etc.) - New Credit Refund / Expiry Rules - Input, Process, etc. News Reader uk.telecom.voip 6 08-28-2006 12:16 PM
Amazon Credit Card security?? webmaster@aquinasandmore.com alt.computer.security 1 08-24-2006 07:00 PM
BUMP - Finarea / Betamax (VoipStunt/Cheap/SIP Discount,etc.) - New Credit Refund / Expiry Rules - Input, Process, etc. News Reader uk.telecom.voip 0 08-24-2006 03:33 PM


All times are GMT. The time now is 11:37 PM.



Powered by vBulletin® Jelsoft Enterprises Ltd.
Content Relevant URLs by vBSEO 3.6.0 PL2

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45