Failed credit checks

[suetonius]

I have recently tried to apply for a mobile phone on a $59 plan with a telecommunications company and I was declined because I did not pass the credit check.

I am not sure why this happened because I have never borrowed any money in my life- I have had no credit cards, no home loans, no car loans, and in the past I have always used pre-paid mobile phones.

Does anyone here have any ideas on why I failed the credit check?

Could someone have stolen my identity and taken out loans?

 

[raskolnikov]

Have you ever broken a lease on a rental house? This can give you a bad credit history.

Sometimes you can fail a credit check because you have no credit history.

Other than that I've no idea.

 

[suetonius]

Have you ever broken a lease on a rental house? This can give you a bad credit history.

Sometimes you can fail a credit check because you have no credit history.

Other than that I've no idea.

No, I have always paid my rent.

Perhaps the fact that I have no credit history could be the reason.

 

[bunsen burner]

I have recently tried to apply for a mobile phone on a $59 plan with a telecommunications company and I was declined because I did not pass the credit check.

I am not sure why this happened because I have never borrowed any money in my life- I have had no credit cards, no home loans, no car loans, and in the past I have always used pre-paid mobile phones.

Does anyone here have any ideas on why I failed the credit check?

I have bolded your problem.

<molly meldrum>Do yourself a favour </molly meldrum> and go get a credit card so you can get a credit reference.

Also, are you aware yo can pay about $25 and access your official credit reference?

$51.95 from here:

http://www.mycreditfile.com.au/campaign/ga001_my-veda-alert.dot

Not sure if there are cheaper places you can get it from.

 

[Selective Retention]

http://www.mycreditfile.com.au/home/free-credit-file.dot

You can get it for free if you are prepared to wait 10 business days.

I did that for myself and was surprised when nothing at all came up on it. I thought they did credit checks for phones like they have for you but they never did for me.

 

[Visions]

http://www.mycreditfile.com.au/home/free-credit-file.dot

You can get it for free if you are prepared to wait 10 business days.

I did that for myself and was surprised when nothing at all came up on it. I thought they did credit checks for phones like they have for you but they never did for me.

Also depends on when you applied for the phone. Any history older than five years is wiped from the credit report.

 

[Mitchell Madness]

go for a bank transfer rather then credit

they cannot decline you if you are using your own money, it is against Australian trading regulations (thank you today tonight!)

 

[Dan Moody]

Don't apply for credit again within a 6 month period. Too many entries on your credit file will also inhibit your ability to get a loan or any other form of credit contract.

 

[Caesar]

Can be all sorts of stuff. I was surprised to find I had a negative credit entry because I had overdue fines with a video store that I'd never paid, because I moved city and stopped using the store.