Possibly busted my credit rating?

BigBruiserAl said:
Their systems went down pretty much from midday they were still goosed at 6, it is possible you were told a load of dribble so wouldn't worry too much ;)
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You sure it was country wide as they were still taking contracts out by looks of it?

The guy was flicking through all these blue screens fine, just id check failed, said decision is final and can't be overturned. IC001 or something.
 
willhub said:
Maybe I'll go elsewhere, but Carphone warehouse made buying my contract out slightly cheaper, there is no one else that'll do it really, Might just go on e2save and see what I can get.

If only Phone 4 U were still here, their internal checks were done verbally with someone asking questions, that was much better.
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true.
 
Ive switched from EE to O2, I can't see 4G being any slower on O2 than Britain's "Fastest 4G Network"
 
I remember trying to change my phone contract at the end of the 24m term. Tried to go from my £18pm down to three's cheapest offering, which was £7 or there abouts. The salesman tried to fob me off with the credit check, saying that it couldn't process it and that I'd have to stick to what I currently pay. Strange how it suddenly worked once I told him I'd happily cancel the contract. (Wouldn't have cost me anything to cancel)
 
Nitefly said:
That £10 a month sim only feel.
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My credit is totally borked due to a messy divorce and failed business. I took a Tesco sim only for 12 months and then they were only too happy to upgrade me to a full contract.

I probably have the credit rating that would make Zimbabwe look rich and it works for me.
 
mrk said:
But that dent in the wallet after buying a sim free phone feel.
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Yeah. But what are you actually gaining now? I was always a phone geek, but since my Galaxy S3 there simply hasn't been enough advancement to make switching phones worthwhile. I was thinking of a change to the M9, but not sure I can justify it.

But regards your actual point. £10 sim only and buying the phone outright is easily the cheapest way to do it.
 
xs2man said:
Yeah. But what are you actually gaining now? I was always a phone geek, but since my Galaxy S3 there simply hasn't been enough advancement to make switching phones worthwhile. I was thinking of a change to the M9, but not sure I can justify it.

But regards your actual point. £10 sim only and buying the phone outright is easily the cheapest way to do it.
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Oh of course it works out cheaper, a 12 month or rolling monthly sim only contract is a far better prospect than being locked into a 24 month contract at £20 a month or greater just to get a new phone for free (or a small sum).

But in terms of gaining things, well I guess it scratches an itch, the itch to have a new gadget to play with until the next evolution is out I suppose. My itch stopped at the Xperia Z3. The Note 3 was before it and since the Note 4 isn't a decent step above the 3 and the Galaxy line have stumbled into themselves, I simply could not come to a reasonable reason why I wanted to upgrade any more.

I've since decided I'll only be upgrading based on tech evolution. So bendy screens, or phones that last several days (the Z3 gets up to 2 days of use, for example so most other smartphones feel "meh" by comparison to this kind of battery life!).

I suppose the only big cost is the first time you buy a sim free phone. If you get a new one each year then you can sell the previous one for half the cost and simply add say £200-£250 for the next one if it tickles your fancy and keep rolling on that £10 a month sim only contract. Everybody wins :cool:
 
The way I think is, on the O2 Package, I know I'll be happy with the phone for a year, after a year I could easilly afford to pay off the phone part of the contract and upgrade, the phone total is £480.

The amount that I'm going to pay to get out of the contract with EE is £475.00, but I feel O2 is a better provider than EE, and I like the thought of a split plan.

I feel I can justify the cost of all this moving to a new contract rather than buying a new phone outright and using it on EE.

Besides, my new contract is 40.30 after discount with 20gb data.

Contracts after all are loans.

I wonder if paying a contract out in full and opening a new contract with another provider boosts credit rating?
 
My girlfriend failed a credit check for Vodafone the other day... She is in a very good job and owns her own home and has a perfect credit record, never been declined credit and usually gets high limits etc so was rather confused... She checked noddle and there'd been some kind of glitch with the Vodafone system that had made it check against her name but with "mr" instead of "miss" and with a date of birth of 01.01.1970 (Unix default)... Not happy to say the least, and she's having to deal with their entirely offline credit team to get it (slowly) removed !
 
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just a question on credit checks in general, because I move house due to my job every couple of years I can't get a result on any of the credit score websites, they just give me a massive nope when I try, anyway you can get around this or one that works?
 
Nitefly said:
That £10 a month sim only feel.
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Contracts are cheaper though, I effectively pay less than £7 a month for my Note 4 airtime once the cost of a nearly £600 phone spread over 24months is taken into account, and I get a return on the capital that would have gone towards the cost of the phone in the meanwhile.
 
A few years ago I was rejected an Orange contract and I have a very good credit rating as proved by the fact that I was able to get contracts with nearly every other provider since, apparently Orange rejected me on my address as the previous owner had a bad debt with them 8 years previously. They said I could write to Orange and explain but I took my business elsewhere.
 
I took out a 24 month iPhone 4 contract on 3 network back in October 2011 for £30 a month. At the end of the 24 months I downgraded to a 1 month rolling sim only contract with 3 for £12.90 a month and I still have it now.

I just don't see the appeal anymore of locking myself into 24 months paying £40+ for the latest phones. Maybe if they brought back 12 month contracts then I might consider it.
 
LeeUK said:
I took out a 24 month iPhone 4 contract on 3 network back in October 2011 for £30 a month. At the end of the 24 months I downgraded to a 1 month rolling sim only contract with 3 for £12.90 a month and I still have it now.

I just don't see the appeal anymore of locking myself into 24 months paying £40+ for the latest phones. Maybe if they brought back 12 month contracts then I might consider it.
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They did bring back 12 month contracts, they are more expensive...
 
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