topic Re: Failed credit check in Contracts & Billing

Failed credit check

Mac95 — Tue, 27 Sep 2022 08:30:05 GMT

I got declined for a credit check for a 12months sim only plan.

I left EE in June this year after a 24months phone contract, where I never missed a payment. I want to come back, as I get Best reception and speed where I live with EE. However, I got declined for some reason. I'm thinking it could be due to new bank account, I switched banks last week and gave details of my new bank account on the checkout it got declined, then I tried again using old details - my balance and DD still haven't been switched I'm on day 5 of the switch. However, it got declined again. I'm bit disappointed as I said had a contract that just run out in June and my payments always been on time, is there a way to query this?

Re: Failed credit check

Chris_B — Tue, 27 Sep 2022 10:13:54 GMT

@Mac95 It’s probably because of the new bank account and the 2 attempt got refused because you had already tried. EE don’t have to give you an explanation of why they refused you.

Re: Failed credit check

Leanne_T — Tue, 27 Sep 2022 10:24:46 GMT

Hi @Mac95

Thanks for coming here.

If you call us on 0800 956 6000, the team can check the application and let you know any information that is showing for why this was declined.

Leanne.

Re: Failed credit check

Mac95 — Tue, 27 Sep 2022 12:44:53 GMT

I called the above number, explained that I used the new bank account for the first check, and I've been EE customer on a 24months phone contract but the lady told me she can not acees the information why the credit checked has been declined and there is nothing she can do.

Is there a email address or phone number to call the team that is doing the credit checks?

I found these online

credit.queries@ee.co.uk

crqueries@ee.co.uk

Re: Failed credit check

Leanne_T — Tue, 27 Sep 2022 12:52:55 GMT

Thanks for coming back to me @Mac95

You can find details in our How does EE use my credit file information? article, on ways to query your credit file.

Thanks.

Leanne.

Re: Failed credit check

Madiha2 — Sat, 27 Jul 2024 22:42:24 GMT

Hey, you are not the only one, I have been EE customer for 4 years and they declined me as well, when I haven’t missed a single payment in the last 4 years. I think something is up with their system.

Re: Failed credit check

Madiha2 — Sat, 27 Jul 2024 22:45:41 GMT

Same happed with me, they are being secretive about it when it’s not making sense what’s up and they are treating me as if I’m a criminal. I should have the right to know what’s going on unless how can it be corrected.

Re: Failed credit check

Madiha2 — Sat, 27 Jul 2024 22:48:24 GMT

I would just say that they lost a good customer. I will never take a contract with them again. I believe this is a downfall for ee, claiming to be the best provider, who don’t care about their customers.

Re: Failed credit check

Chris_B — Sun, 28 Jul 2024 05:17:46 GMT

@Madiha2 It’s your credit file that’s checked and when the system says no it’s a no and that’s it end off. EE don’t owe you an explanation on why you got rejected. But if your already a customer you’re comment doesn’t make sense as your already a customer. But you do have a credit limit that EE are prepared to go to with yourself

And EE don’t claim to be the best provider. EE are awarded it.

Re: Failed credit check

Mac95 — Sun, 28 Jul 2024 08:08:56 GMT

@Madiha2

I got myself 1p mobile in the end.

No credit checks, runs on ee network, no speed limits like EE has , no contract, eu roaming,cheaper too.

Re: Failed credit check

Chris_B — Sun, 28 Jul 2024 08:20:21 GMT

@Mac95 And there’s the plug.

You might not be aware that network connection host could change it any time. 1p is a MVNO network. It’s also PAYG with a set allowance and not a contract so obviously no credit checks are needed. You don’t get speed limits if you choose the right tariff with EE. And let’s be totally here, how often do “you” need to use your device abroad. Be honest.

cheaper because it’s a MVNO network and it’s a PAYG.