Does anyone have clear information on what information is requested and validated with a credit check? I've attempted to purchase an iPhone 15 Pro MAX with a Pay Monthly All-Rounder SIM. The request was declined, citing that my credit check failed.
I have access to the credit file and can see that EE Limited (and BTG (BT, EE, PLUSNET)) undertook simultaneous soft searches against my file, one as 'Identity verification' and the other as 'authentication check'.
I have a pristine file with nothing to note on it. All active agreements are healthy, payments are regularly updated, and balances are closed down. No sooner had I been declined, I then purchased the same phone directly from Apple instead. I pick that up tomorrow. Seems odd that one place declines and another accepts
I then went to purchase a sim only contract from EE, and this was also declined.
I've spoken to several EE colleagues who have been very supportive but unable to provide any clarity on what has caused the decline. I've spoken to my bank to ensure there is no tags/flags to indicate a cyber actor at play; I've checked with Equifax who advise on speaking to EE to understand what criteria is used to measure the credit worthiness of a customer; when I repeated that back to EE - this seemed to stump the four people I've been passed between. I'm not having a pop or inciting any frustration, I just need to get clarity on what appears to be a completely ambiguous process with no clear answers on the reasons for a decline. Anyone any clues?
