on 21-12-2021 11:27
Hi virgin community
I just had new phone contract for my wife from virgin, this was my second contract whit it was nearly 4 weeks ago
today I had a message from clear score and new report added to my credit score
unfortunately they saying you have an unsecured loan from virgin mobile and my credit score font down nearly 55 points which is a lot for me
so I just need to find out how can I get my points back
on 21-12-2021 11:37
Hi ash_peesian,
Thanks for your post and a big welcome to the Community. It's great having you on board with us.
We're sorry to hear you were unaware that we would credit check you when applying for your recent new contract. This is made clear when ordering online and also when speaking to the teams.
You can view more on why we credit check here: Our Credit check policy.
In terms of getting any points back, this is something you can speak to Clearscore regarding.
Let us know if you have any further issues.
Thanks,
on 21-12-2021 11:45
Thanks for replying but my point is iv already had a contract with virgin for myself this was a second contract for my wife and I contracted to clear score they saying virgin mobile had a hard search on you credit check
basicly you guy’s should have removed it
on 21-12-2021 11:52
Hi ash_peesian,
Thanks for coming back to us on this.
Regardless of whether you have a contract with us already, if you decide to take a new contract then a new credit search would be run and recorded on your file.
We wouldn't be able to remove a search that has been correctly conducted I'm afraid.
Thanks,
on 21-12-2021 12:26
It would be 2 phones on two different unsecured loans so the searches would be correct.
As to your actual credit score that would be down to the agency
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on 21-12-2021 13:02
on 21-12-2021 13:38
Hi @ash_peesian
My colleagues and your fellow community members have advised you correctly. I hope you're feeling reassured.
Regards
Lee_R