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When you sign up for a Pay Monthly Phone or SIM Only Deal with us, we’ll need to run a quick credit check:
What is a credit check?
A credit check looks at your credit history, both past and present. It helps us assess your financial behaviour, verify your identity, and check your creditworthiness. This also helps prevent fraud and keeps things secure.
How does a credit check work?
- Enter your details at checkout.
When you check out, we’ll ask for some personal details, like your current address and employment status. This helps us verify everything with the credit reference agency.
- We’ll review your credit history.
Next, we’ll check your credit history. This gives us an overall credit score and details of how you’ve managed payments with creditors in the past.
- We’ll make a decision.
The credit reference agency’s information is reviewed by our automated decision-making system, which reviews the information and provides a decision. We aim to make decisions quickly, efficiently, and fairly.
If an application requires further review, it’ll be sent to our specialist credit checking team, who’ll review the application and provide a fair decision based on your credit score and history.
My credit check has been declined. What should I do?
If your credit check has been declined, don’t worry! Check out the Community article below for more helpful information: