Menu
Reply
Rennyxo
  • 7
  • 0
  • 0
Joining in
2,326 Views
Message 1 of 16
Flag for a moderator

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 

0 Kudos
Reply
Andrew-G
  • 6.93K
  • 1.21K
  • 3.03K
Very Insightful Person
Very Insightful Person
2,319 Views
Message 2 of 16
Flag for a moderator

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?

I'm a Very Insightful Person, I'm here to share knowledge, I don't work for Virgin Media. Learn more

Have I helped? Click Mark as Helpful Answer or use Kudos to say thanks

0 Kudos
Reply
Rennyxo
  • 7
  • 0
  • 0
Joining in
2,315 Views
Message 3 of 16
Flag for a moderator

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”

0 Kudos
Reply
enlli
  • 7.36K
  • 1.17K
  • 2.08K
Very Insightful Person
Very Insightful Person
2,296 Views
Message 4 of 16
Flag for a moderator
Helpful Answer

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

I'm a Very Insightful Person, I'm here to share knowledge, I don't work for Virgin Media. Learn more

Have I helped? Click Mark as Helpful Answer or use Kudos to say thanks

Rennyxo
  • 7
  • 0
  • 0
Joining in
2,281 Views
Message 5 of 16
Flag for a moderator

Re: Credit check

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

0 Kudos
Reply
enlli
  • 7.36K
  • 1.17K
  • 2.08K
Very Insightful Person
Very Insightful Person
2,268 Views
Message 6 of 16
Flag for a moderator

Re: Credit check

Virgin say they use Experian

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

I'm a Very Insightful Person, I'm here to share knowledge, I don't work for Virgin Media. Learn more

Have I helped? Click Mark as Helpful Answer or use Kudos to say thanks

0 Kudos
Reply
Rennyxo
  • 7
  • 0
  • 0
Joining in
2,261 Views
Message 7 of 16
Flag for a moderator

Re: Credit check

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

0 Kudos
Reply
HughJarsse
  • 1.18K
  • 45
  • 593
Knows their stuff
2,231 Views
Message 8 of 16
Flag for a moderator

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 😉

0 Kudos
Reply
Rennyxo
  • 7
  • 0
  • 0
Joining in
2,225 Views
Message 9 of 16
Flag for a moderator

Re: Credit check

Eugh, hope not just want a new phone hahahah 

0 Kudos
Reply
enlli
  • 7.36K
  • 1.17K
  • 2.08K
Very Insightful Person
Very Insightful Person
2,196 Views
Message 10 of 16
Flag for a moderator

Re: Credit check

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

I'm a Very Insightful Person, I'm here to share knowledge, I don't work for Virgin Media. Learn more

Have I helped? Click Mark as Helpful Answer or use Kudos to say thanks

0 Kudos
Reply