O2 and credit checks

[Ebritton14]

Hi guys. So my phone has just been broken for to water damage. I resorted here to apply for a new phone because I have a contract on this network for my son. So I applied and they want a deposit for £300. (Baring in mind I’ve just broken an iPhone SE anyway.) I don’t have £300 in my bank otherwise I’d of just went out and bought a iPhone SE. I know I get it back after 3 months but I have an iPhone X on here and I’ve not missed a payment on it. Why are they judging an existing customer on my credit rating. I get it but if I haven’t missed a payment on my o2 account why aren’t they taking this into account? Thanks in advance. Need answers ASAP as in desperate need of a new phone

[MI5]

Unfortunately we can't answer that.
You'd need to get in touch with credit referrals to find out why.

CreditFileReferrals@o2.com
Credit File Referrals Team
Suite P
Arlington Business Centre
Leeds
LS11 0NE
Fax 0113 2025865

[Cleoriff]

@Ebritton14

Credit referrals are only contactable by email

CreditFileReferrals@o2.com
Credit File Referrals Team
Suite P
Arlington Business Centre
Leeds
LS11 0NE
Fax 0113 2025865

[Ebritton14]

Thanks guys! I know what my credit is like (it’s not great) but do o2 credit check their existing customers??

[MI5 · Accepted solution]

Everyone is credit checked for new contracts, only upgrades are not checked.

[Ebritton14]

Ok thanks. Does anyone here know if the sim only get a phone after 3 months is still a thing?

[MI5]

Yes, that's still going as long as you upgrade to a refresh tariff.
https://www.o2.co.uk/termsandconditions/rewards/sim-only-upgrade-to-refresh-after-3-months-terms-and...

[Ebritton14]

Been speaking to a few friends and they all seem to say the same thing about their networks. If you phone or go into the shop you get a better deal. Is that true??? Sorry if I seem stressy but I need a new phone ASAP

[MI5]

We usually advise going in store but they use the same system for credit checks so you'll get the same response in your case I'm afraid.
You only option with o2 is to pay the deposit but you might have a better response from one of the other networks........