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  1. #1
    Loz
    Guest
    Just failed a credit check on e2save. First credit check I have failed

    Can't really work out why. The credit check on e2save never asked how
    much I was earning or anything, so how do they score it? I have 2 credit
    cards (HSBC, and Morgan Stanley Platinum) - both paid by direct debit
    and looking at experian got the 0000000 meaning all payments received on
    time.

    My total borrowing limit is £2000. Which is not a huge limit really, and
    not something I wouldn't be able to support.

    I have been in job for a year now (am 21) as an "MPLS data network
    designer" - what gives?

    Oh, also - I tried signing up on Equifax to view credit report on there,
    but it said they are experiencing problems right at the end when they
    tried to take my credit card details. Should the experian credit report
    that I have access to (30 day trial) show the e2save/three search? I can
    see my previous credit searches (ones I expected to see - but then I was
    accepted)

    Many thanks



    See More: Failed credit check




  2. #2
    Charlie Mitchell
    Guest

    Re: Failed credit check

    Loz wrote:
    > Just failed a credit check on e2save. First credit check I have failed
    >
    > Can't really work out why. The credit check on e2save never asked how
    > much I was earning or anything, so how do they score it? I have 2 credit
    > cards (HSBC, and Morgan Stanley Platinum) - both paid by direct debit
    > and looking at experian got the 0000000 meaning all payments received on
    > time.
    >
    > My total borrowing limit is £2000. Which is not a huge limit really, and
    > not something I wouldn't be able to support.
    >
    > I have been in job for a year now (am 21) as an "MPLS data network
    > designer" - what gives?
    >
    > Oh, also - I tried signing up on Equifax to view credit report on there,
    > but it said they are experiencing problems right at the end when they
    > tried to take my credit card details. Should the experian credit report
    > that I have access to (30 day trial) show the e2save/three search? I can
    > see my previous credit searches (ones I expected to see - but then I was
    > accepted)
    >
    > Many thanks


    Which network?

    If it was 3 the indian monkey probably put the details in wrong.

    If it was O2 try O2 direct, e2save have their own O2 service
    provider.

    I'd recommend whichever company it was really to try them
    direct, probably find you pass no problems.



  3. #3
    Loz
    Guest

    Re: Failed credit check

    Charlie Mitchell wrote:

    > Which network?
    >
    > If it was 3 the indian monkey probably put the details in wrong.
    >
    > If it was O2 try O2 direct, e2save have their own O2 service provider.
    >
    > I'd recommend whichever company it was really to try them direct,
    > probably find you pass no problems.



    It was 3. Problem is I'm a bit of a cashback junkie. Maybe it was a
    blessing in disguise as I was probably going to only get into trouble
    for using my 3 sim in my current W850i

    When the Experian website finally works properly (it mucked up when I
    entered my credit card details - great!) - If say, the details were
    entered wrong would this show on my credit file as wrong? Or just not
    show at all.

    Searching this newsgroup shows a number of fails on e2save. I have a
    number of friends who have mobile contracts with various operators, and
    a lot have missed payments on a number of occasions and still have no
    problem.






  4. #4
    {{{{{Welcome}}}}}
    Guest

    Re: Failed credit check

    Thus spaketh Loz:
    > Charlie Mitchell wrote:
    >
    >> Which network?
    >>
    >> If it was 3 the indian monkey probably put the details in wrong.
    >>
    >> If it was O2 try O2 direct, e2save have their own O2 service
    >> provider. I'd recommend whichever company it was really to try them
    >> direct,
    >> probably find you pass no problems.

    >
    >
    > It was 3. Problem is I'm a bit of a cashback junkie. Maybe it was a
    > blessing in disguise as I was probably going to only get into trouble
    > for using my 3 sim in my current W850i
    >
    > When the Experian website finally works properly (it mucked up when I
    > entered my credit card details - great!) - If say, the details were
    > entered wrong would this show on my credit file as wrong? Or just not
    > show at all.
    >


    Depends on which bits were wrong, if you got current *and* past
    addresses wrong, then it's likely that that wouldn't show on the report
    as they wouldn't be able to match it with you.

    If you got either the current or past address wrong then that would
    show, as would *****ing your name wrong.

    Although the credit file is only about yourself, and you can remove
    incorrect details from the report and you can remove people who you
    aren't financially tied too, unless you inform them as such these
    details will be listed on your report (incorrect addresses, incorrect
    names etc).

    > Searching this newsgroup shows a number of fails on e2save. I have a
    > number of friends who have mobile contracts with various operators,
    > and a lot have missed payments on a number of occasions and still
    > have no problem.



    --
    60 day free DVD rental: www.southeastbirmingham.co.uk/dvd
    Mobile Offers: www.southeastbirmingham.co.uk/mob
    Items for sale: www.dodgy-dealer.co.uk




  5. #5
    Loz
    Guest

    Re: Failed credit check

    {{{{{Welcome}}}}} wrote:
    > Thus spaketh Loz:


    >> When the Experian website finally works properly (it mucked up when I
    >> entered my credit card details - great!) - If say, the details were
    >> entered wrong would this show on my credit file as wrong? Or just not
    >> show at all.
    >>

    >
    > Depends on which bits were wrong, if you got current *and* past
    > addresses wrong, then it's likely that that wouldn't show on the report
    > as they wouldn't be able to match it with you.
    >
    > If you got either the current or past address wrong then that would
    > show, as would *****ing your name wrong.
    >
    > Although the credit file is only about yourself, and you can remove
    > incorrect details from the report and you can remove people who you
    > aren't financially tied too, unless you inform them as such these
    > details will be listed on your report (incorrect addresses, incorrect
    > names etc).



    Thanks for this information {{{{{Welcome}}}}} - it is very interesting.
    Checking my credit file with Experian everything seems normal and
    nothing is concerning at all.

    Though I note a couple of things

    Littlewoods - Down as settled. Does this come into consideration for
    lenders? I'd have thought not as it shows the account is closed and I
    don't owe anything. Correct?

    HSBC - I've got a credit card with them from my student account with
    only a £500 limit. TBH I rarely use it, preferring my other card since
    it gives cashback (albeit it only 1%) - Perhaps I should cancel this card?



  6. #6
    Maris
    Guest

    Re: Failed credit check

    On Mon, 22 Jan 2007 18:48:58 +0000, Loz <[email protected]> wrote:

    I don't trust the credit agencies to tell you the truth. Maybe it's
    something akin to bad references. I was failed a credit check for
    participation in a committee bank account for an organisation I am
    involved with. I ordered an Experian report and it showed nothing
    wrong. It should have shown me reneging on a contract with '3' (which
    may or may not have been the reason for the problem with my
    creditworthiness). Meanwhile I managed to start another contract with
    '3' without any problem!!

    Maris


    >Just failed a credit check on e2save. First credit check I have failed
    >
    >Can't really work out why. The credit check on e2save never asked how
    >much I was earning or anything, so how do they score it? I have 2 credit
    >cards (HSBC, and Morgan Stanley Platinum) - both paid by direct debit
    >and looking at experian got the 0000000 meaning all payments received on
    >time.
    >
    >My total borrowing limit is £2000. Which is not a huge limit really, and
    >not something I wouldn't be able to support.
    >
    >I have been in job for a year now (am 21) as an "MPLS data network
    >designer" - what gives?
    >
    >Oh, also - I tried signing up on Equifax to view credit report on there,
    >but it said they are experiencing problems right at the end when they
    >tried to take my credit card details. Should the experian credit report
    >that I have access to (30 day trial) show the e2save/three search? I can
    >see my previous credit searches (ones I expected to see - but then I was
    >accepted)
    >
    >Many thanks





  7. #7
    Motion
    Guest

    Re: Failed credit check

    "Loz" [email protected]
    wrote in message news:[email protected]...
    > Just failed a credit check on e2save. First credit check I have failed


    Best to order a order a Statutory Credit Report, costs £2 per report/agency
    just incase there is anything else on there.

    experian.co.uk
    equifax.co.uk
    callcredit.co.uk





  8. #8
    Loz
    Guest

    Re: Failed credit check

    Motion wrote:
    > "Loz" [email protected]
    > wrote in message news:[email protected]...
    >> Just failed a credit check on e2save. First credit check I have failed

    >
    > Best to order a order a Statutory Credit Report, costs £2 per report/agency
    > just incase there is anything else on there.


    Read Experian's just online - everything looks fine and as expected.
    Tried Equifax but the signup process messed up, so awaiting their
    customer care to hopefully fix it.

    Will see if the search is there at all (It should be!) or if it's typed
    in wrong somewhere. Needless to say I was surprised.



  9. #9
    Loz
    Guest

    Re: Failed credit check

    Maris wrote:
    > On Mon, 22 Jan 2007 18:48:58 +0000, Loz <[email protected]> wrote:
    >
    > I don't trust the credit agencies to tell you the truth. Maybe it's
    > something akin to bad references. I was failed a credit check for
    > participation in a committee bank account for an organisation I am
    > involved with. I ordered an Experian report and it showed nothing
    > wrong. It should have shown me reneging on a contract with '3' (which
    > may or may not have been the reason for the problem with my
    > creditworthiness). Meanwhile I managed to start another contract with
    > '3' without any problem!!
    >



    To be fair to them, they can only go on the data supplied to them. I
    just wonder what is on my Equifax report - since that's who 3 are meant
    to do the credit check with.





  10. #10
    Jon
    Guest

    Re: Failed credit check

    [email protected] declared for all the world to hear...
    > Just failed a credit check on e2save. First credit check I have failed
    >
    > Can't really work out why. The credit check on e2save never asked how
    > much I was earning or anything, so how do they score it?


    History of your existing credit arrangements, bills, electoral roll
    status etc.
    --
    Regards
    Jon



  11. #11
    Jack Torrence
    Guest

    Re: Failed credit check

    "Loz" <[email protected]> wrote in message news:[email protected]...
    > Just failed a credit check on e2save. First credit check I have failed
    >
    > Can't really work out why. The credit check on e2save never asked how much
    > I was earning or anything, so how do they score it? I have 2 credit cards
    > (HSBC, and Morgan Stanley Platinum) - both paid by direct debit and
    > looking at experian got the 0000000 meaning all payments received on time.
    >
    > My total borrowing limit is £2000. Which is not a huge limit really, and
    > not something I wouldn't be able to support.
    >
    > I have been in job for a year now (am 21) as an "MPLS data network
    > designer" - what gives?
    >
    > Oh, also - I tried signing up on Equifax to view credit report on there,
    > but it said they are experiencing problems right at the end when they
    > tried to take my credit card details. Should the experian credit report
    > that I have access to (30 day trial) show the e2save/three search? I can
    > see my previous credit searches (ones I expected to see - but then I was
    > accepted)


    If there is nothing untoward on your credit files then chances are some data
    was input incorrectly when the search was done. My gf initially failed a
    credit check for a 3 contract, when she called them to query it turned out
    that the person who ran the credit check put the wrong postcode in.





  12. #12
    Chris Malcolm
    Guest

    Re: Failed credit check

    Charlie Mitchell <[email protected]> wrote:
    > Loz wrote:
    >> Just failed a credit check on e2save. First credit check I have failed
    >>
    >> Can't really work out why. The credit check on e2save never asked how
    >> much I was earning or anything, so how do they score it? I have 2 credit
    >> cards (HSBC, and Morgan Stanley Platinum) - both paid by direct debit
    >> and looking at experian got the 0000000 meaning all payments received on
    >> time.
    >>
    >> My total borrowing limit is #2000. Which is not a huge limit really, and
    >> not something I wouldn't be able to support.
    >>
    >> I have been in job for a year now (am 21) as an "MPLS data network
    >> designer" - what gives?
    >>
    >> Oh, also - I tried signing up on Equifax to view credit report on there,
    >> but it said they are experiencing problems right at the end when they
    >> tried to take my credit card details. Should the experian credit report
    >> that I have access to (30 day trial) show the e2save/three search? I can
    >> see my previous credit searches (ones I expected to see - but then I was
    >> accepted)


    > Which network?


    > If it was 3 the indian monkey probably put the details in wrong.


    > If it was O2 try O2 direct, e2save have their own O2 service
    > provider.


    > I'd recommend whichever company it was really to try them
    > direct, probably find you pass no problems.


    A long time ago I failed an Orange credit check, and was told it was
    on account of my post code -- I live adjacent to two blocks of rented
    flats with lots of credit defaulters and benefit fraudsters. I
    reapplied on the spot using my work address and was accepted with no
    problem. I then changed my address :-)

    --
    Chris Malcolm [email protected] DoD #205
    IPAB, Informatics, JCMB, King's Buildings, Edinburgh, EH9 3JZ, UK
    [http://www.dai.ed.ac.uk/homes/cam/]




  13. #13
    Loz
    Guest

    Re: Failed credit check

    Jack Torrence wrote:

    >
    > If there is nothing untoward on your credit files then chances are some data
    > was input incorrectly when the search was done. My gf initially failed a
    > credit check for a 3 contract, when she called them to query it turned out
    > that the person who ran the credit check put the wrong postcode in.
    >
    >


    Waiting on my Equifax report to come through (Sent off in the post as I
    couldn't get the 30 day trial on the website to work)

    I suspect/hope this is what has happened. Annoying nonetheless.



  14. #14

    Re: Failed credit check

    On Mon, 22 Jan 2007 18:48:58 +0000, Loz <[email protected]> wrote:

    >Just failed a credit check on e2save. First credit check I have failed
    >
    >Can't really work out why.


    I expect that the muppets at 3 typed your address in incorrectly
    (after all, how well would you manage with an Indian address?) and it
    drew a blank on the credit checking.

    --

    Iain
    the out-of-date hairydog guide to mobile phones
    http://www.hairydog.co.uk/cell1.html
    Browse now while stocks last!



  15. #15
    Loz
    Guest

    Re: Failed credit check

    Loz wrote:
    > Just failed a credit check on e2save. First credit check I have failed
    >



    Just received my Equifax report. There was no record of the search on
    there at all.



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