constantly being declined for a 2nd line for my daughter

​@Lee McCartney 

From this link - https://www.idmobile.co.uk/help-and-advice/credit-checks-explained

If you’ve got any questions on your credit check, you should contact Equifax PLC, the credit reference agency we use. You can find their contact details here: www.equifax.co.uk/business/contact-us/en_gb

You could speak to these as they’re the one iD use.

I have contacted them and they inform me my credit score is fine. I have no issues or worries to be concerned about it is in the excellent bracket.

I am very disappointed with ID leading me up the garden path. I made my intentions very clear before I sign up for my contract that I wanted to have my daughters with them aswell. I have now received 3 emails telling me I am eligible for a 2nd plan yet when I apply it is declined every time. If I knew it would be this bad to try and get that 2nd line I would never dreamed of moving my supplier.

I should’ve made the above clearer ​@Lee McCartney 

iD would want you to have more than one account as that’s more business their way. Others on here have 3 or 4 contracts so having more than one is certainly doable.

I really does look like the problem lies with Equifax. When you apply they run a check (as you know) and if they say no then iD say no. You’ve said you contacted Equifax and they said your credit score is fine, and as you say it is excellent, but did Equifax not say why you failed subsequent attempts?

But yes I’d be annoyed too.

I suspect credit checks (Equifax etc) are just one part of the vetting process iD Mobile use, ​@Daz_S. 

It seems unlikely any business would say why an application for credit was declined, as this might open the gateway to fraudulent applications by bad actors.

In all honesty I don't know why I have 4 different apps showing my credit score including the premium experience app. All show very high numbers and either excellent or good. I have never missed a mortgage payment or any other payment for that matter. Have no default strijes or negative marks on my score. The only thing it says will increase my credit score is by having a personal credit limit of 15k. Funny as I am trying g to increase it with a mobile plan but declined haha. Weird.

I’m know you’re right ​@andewhite, iD will be doing their own checks too - payment history as one of potential many other checks. I just sometimes wonder if iD tell us ‘that’ credit check failed, putting the onus on others, rather than saying well we didn’t like this but don’t want to be the bad boys.

I know some agencies can, or at least used to, give a tip as to why a check didn’t pass. Not from my experience but from another - he’d been spending big on his credit card on the run up to xmas and from what was suggested to him was that the card was nearly maxed out and so failed to obtain credit on a £500 TV. He opened another CC and moved the balance over to interest free. Around 2 weeks later he went back to the same store, they did another credit check and was accepted, walking out on an interest free deal.

But yes as you’ve said maybe things have been tightened up as this was a few years back granted.

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Ande could well be spot on ​@Lee McCartney. The only thing I could guess was it was due to some internal iD checks, of which we’d never ever find out for the reason Ande suggested. The only other suggestion would be to move your daughter to a 1 monthly contract, but you’d need to know if her old phone would work on iD, or buy a new one outright but still put hers on a 1 month rolling contract. Then after 6 months you would qualify for an upgrade - though whether you’d be excepted then god knows!

Hi ​@Lee McCartney 

I am afraid we are only able to go from the information fed back to us from the credit check. 

Apologies again for this not being successful and we do hope this changes in the future. 

Thanks, 

Nat