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three declined my contract request

  • 20-05-2011 08:12PM
    #1
    caislean6
    Registered Users, Registered Users 2 Posts: 10 ✭


    Hey guys, I applied for that three iphone offer today that has been advertised so much recently. They put my application thru in the shop and it came back as declined...not happy :(

    Apparently they check your credit rating or something before they confirm the contract. But I've never even had a loan, no over draft, not even a credit card. I've been working in the same place for the best part of 2 years and have a solid income from it.

    Does anybody know why this would have happened?

    Thanks :mad:
    Tagged:


Comments

  • #2
    Irish Fire
    Registered Users, Registered Users 2 Posts: 603 ✭✭✭Irish Fire


    caislean6 wrote: »
    Hey guys, I applied for that three iphone offer today that has been advertised so much recently. They put my application thru in the shop and it came back as declined...not happy :(

    Apparently they check your credit rating or something before they confirm the contract. But I've never even had a loan, no over draft, not even a credit card. I've been working in the same place for the best part of 2 years and have a solid income from it.

    Does anybody know why this would have happened?

    Thanks :mad:

    You've answered your own question....


  • #3
    Kensington
    Closed Accounts Posts: 3,683 ✭✭✭Kensington


    It's not a credit check, it's a credit score.
    It's done entirely on the information you submit to them there and then in the shop.

    You're not the only one to have been declined though, quite a few people have reported being declined both on the Talk to Three forum and the Bargain Alerts thread about it.

    Maybe [send them a PM] and see can they indicate to you why you were declined?


  • #4
    chrislad
    Registered Users, Registered Users 2 Posts: 8,324 ✭✭✭chrislad


    caislean6 wrote: »
    Hey guys, I applied for that three iphone offer today that has been advertised so much recently. They put my application thru in the shop and it came back as declined...not happy :(

    Apparently they check your credit rating or something before they confirm the contract. But I've never even had a loan, no over draft, not even a credit card. I've been working in the same place for the best part of 2 years and have a solid income from it.

    Does anybody know why this would have happened?

    Thanks :mad:

    No loans, credit cards etc means no credit score!

    There are many reasons you could be declined

    1) Random!
    2) If renting, there may have been a bad debt from that address
    3) Your occupation might be a high risk category

    I wouldn't take it personally, but I would imagine that their credit vetting is a lot tougher on that iPhone offer, for obvious reasons.


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