Active Contributor

Credit Check Failure AGAIN! I voted with my feet

3 replies
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After several attempts to deal with the credit issue I gave in. ID Mobile cancelled my order for a sim only contract as a result of a failed credit check again. This despite me having a score of 999/1000 on Experian and 904/1000 on Equifax. ID say try again in 3 months and the credit checking agencies are not able to help. ID bounced me to Equifax who have zero negative info on me apparently. I gave up.

Guess who’s supplying me now?

Gemma M

iD Mobile Employee

Hi @simmobb2,

I'm sorry to hear that you've had such a frustrating experience.

We appreciate that this is particularly disappointing given the credit scores you've mentioned and the time you've spent trying to understand the outcome.

Unfortunately, if an application has failed our internal security and validation checks, we're unable to change or override the decision, and neither our Customer Service Team nor the Community have any control over the outcome.

We understand it can be confusing when the information held by the credit reference agencies appears positive, but our application process doesn't rely solely on a credit score and we aren't able to disclose the specific reasons behind these decisions.

If you've been advised to wait 3 months before applying again, we'd recommend following that guidance if you wish to reapply in future.

I'm sorry we weren't able to welcome you as a customer on this occasion, but we appreciate you taking the time to share your experience.

Regards,

Gemma M
The iD Mobile Social Media Team

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S

simmobb2Author

Active Contributor

Do tell me what other information does your application process use to determine credit worthiness? I rather suspect that the truth is that no-one can be bothered to correct what is an obvious error in your system. I am 68 years old, have never been refused credit on anything, own my own house, have a stable guaranteed household income of over £70K, drive a £30K car, on credit, and have approx. £1000 of debt. BTW, it’s not confusing, it’s ridiculously simple, there is either an identity error or the algorithm running your credit control system is broken.

Gemma M

iD Mobile Employee

Hi @simmobb2,

Thanks for getting in touch.

I can understand why you'd be frustrated, especially given the information you've shared.

Unfortunately, we're unable to see the specific factors or scoring criteria used during a credit assessment, nor can we see the reason why an application may have been declined. Credit decisions are based on a range of factors and checks, and we're not provided with a breakdown of the outcome.

If you believe there may be an error in the information used during the application, you may wish to check that your details are correct with the credit reference agencies and then submit a new application at a later date.

I'm sorry that we can't provide any further detail regarding the decision itself.

Regards,

Gemma M
The iD Mobile Social Media Team

Did my comment help answer your question? If so, don't forget to mark the response as the Most Helpful Answer.