credit check fail

  • 31 October 2019
  • 4 replies

If i wasnt living in the uk for the past 3 years but i have english card i would be able to make a pay monthly contract?

4 replies

Userlevel 8
Badge +9

Hey @pavlis999 


As long as your bank card has been registered to UK address for minimum of 3 years and you haven't changed your British address between moving abroad and coming back to the country, you should be fine to get a contract, it's a matter of trying. Important is that you have been and you are receiving income to the bank account registered to the debit card that you are going to use. 


If you have just arrived to UK and opened the account then Pay as you go will be your best option. 


Kind Regards

I am in uk since September 2018 so i wont be able to make a contract?

Userlevel 7
Badge +9

Hello @pavlis999,


You’ll need at least 3 years of UK address history for a credit check.


You can still explore PAYG options which do not require a credit check.

See here:



What credit score do I need to get a monthly phone