My mobile contract was due to end recently. I contacted Virgin Media and decided on my new package and phone. A credit check was carried out which I was told I failed. The assistant could see nothing wrong with my payment history. She said she would escalate the matter to a manager and would get back to me in 3 to 5 days. 10 days later I phoned again. It was suggested that I contact Virgin Consumer Underwriting Services and I was told that Virgin used Equifax. I signed up to Equifax and my credit rating came back as Excellent. I wrote to the Underwriting Services asking why I had been refused a new contract when my credit rating was excellent and I had never had any payment issues with Virgin or with any other company. I received a reply which said ".......... it's necessary for us to carry out some checks, including a credit check. At Virgin Mobile, we use an automated credit scoring system. This includes looking at our own information, the information you have given us and information held by our credit reference agency, Equifax. We use this information to help us make responsible lending decisions. We have reviewed your application, we're sorry to say that, following these checks, we're unable to offer you a Pay Monthly contract right now and this is our final decision."
I cannot understand how I can possibly have failed a credit check. I have been paying approximately £10 a month for my Blackberry and my new contract for a Samsung Galaxy S111 was going to be for the same amount so would hardly seem to call for irresponsible lending on Virgin's part!
What should I do now? I am anxious in case some error by Virgin will leave me with a black mark on my credit rating.
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Thank you. I have looked at the rest of the thread which shows that other people are having the same problem. How to resolve it though? Surely CUS should give a detailed explanation of why the credit check failed?
That really is a pain isn't it. Can't they do a manual check? I shall write again to CUS just to get it out of my system!!! Feel I should close down broadband and landline too but it's such an effort!! Thanks for your help.
My current phone is a Blackberry Curve and I pay around £10 a month. I was going to swap to a Samsung Galaxy S111 because my daughter has one and I thought it would be useful to have her as IT support!!!!! The monthly cost was going to be £10, which makes Virgin's "responsible lending" comment so insane.