Why failed credit check

Why were you refused credit? Lenders make the decisions, not credit reference agencies like Equifax. Bad credit history. Read more about how to help improve a poor credit history. No credit history.

Can you help? When you apply for a mobile phone contract, the first thing most networks will do - including BT Mobile, EE, Vodafone and Virgin Mobile — is carry out a credit check.

And when assessing a credit score the network will go through your application form, check the information they already have if you are an existing customer, and look at your credit report. Missed a few payments recently? If so, that's probably why your network has refused your application. A good way to ensure your bills are paid on time is to set up a direct debt.

That way, the minimum amount each month will be taken out of your account. We do not allow any commercial relationship to affect our editorial independence. No comments have so far been submitted. Why not be the first to send us your thoughts, or debate this issue live on our message boards. How we can help Contact us. We'd like a heat pump but our house has a combi boiler, would we need a hot water cylinder and new radiators?

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