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Credit check

Hello, just wondering how long a credit check takes to go through. I applied for a new mobile with virgin last night 10/05/2020, and just wondering how long it takes for me to find out, thanks 

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Message 2 of 13
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Re: Credit check

I've worked for a rage of big customer service companies, and can tell you that credit check systems are automated including the interfaces for large companies, so response times are seconds, and the cost is (if I recall correctly) about 14 pence a pop. 

What VM do to make things slow and complicated I can't say.  Perhaps the same magic they work to make their customer service and technical support slow and complicated?

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Re: Credit check

I’m really sorry but I have no idea what this means, lol. I received an email last night after I had tried to order the mobile phone, and it said “we’ve got to go through a couple more checks”

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Message 4 of 13
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Re: Credit check

Just look at the Parked Orders on here.

I think Virgin use an underwriting company. I've seen people refused credit with perfect scores, and when they have checked no credit searches come up.

Can't be a standard system

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Message 5 of 13
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Re: Credit check

Where do I find this? Thanks and will it tell me whether I’m eligible or not?

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Message 6 of 13
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Re: Credit check

Virgin say they use Experian

https://www.experian.co.uk/

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Message 7 of 13
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Re: Credit check

Yes, so how long till they tell me if ive got the phone or not?

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Message 8 of 13
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Re: Credit check

'Virgin say they use Experian'

Well, according to my Experian account, Vm never requested a check, (and I have a 990 score) yet was refused credit...

When I checked with Experian, they categorically told me there had been no request from anyone regarding my score....Yet VM are supposed to have done a credit check??

Fairies or porky's?? (take your pick!!)

Personally, I don't think VM bother with any sort of check, someone just tosses a coin to decide, but that's only my opinion 😉

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Re: Credit check

Eugh, hope not just want a new phone hahahah 

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Message 10 of 13
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Re: Credit check

No credit searches showing is common. As is refusal with good scores

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