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Failed a Credit check, why??

Failed a Credit check, why??

Old May 15th 2010, 1:06 pm
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Default Failed a Credit check, why??

My wife just tried to buy a mobile phone and they had to carry out a credit check, she failed. Not sure why we have been in Aus 15 months, she has no other credit at all she is working full-time, anyone any ideas why??
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Old May 15th 2010, 1:21 pm
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Default Re: Failed a Credit check, why??

Originally Posted by Howard Jenings View Post
My wife just tried to buy a mobile phone and they had to carry out a credit check, she failed. Not sure why we have been in Aus 15 months, she has no other credit at all she is working full-time, anyone any ideas why??
was it virgin? they did that to us as well - it was a mistake.... try again- phone the company direct rather than buying through one of those little shops/stores and you should be ok.
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Old May 15th 2010, 1:33 pm
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Default Re: Failed a Credit check, why??

Originally Posted by spalen View Post
was it virgin? they did that to us as well - it was a mistake.... try again- phone the company direct rather than buying through one of those little shops/stores and you should be ok.
It was Virgin! It was an online purchase on their website. I have ordered one as well, it will be interesting to see if I get through the check. They did give my wife the number of the credit check company to phone on Monday to ask why.
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Old May 15th 2010, 2:57 pm
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Default Re: Failed a Credit check, why??

It's because you need a credit report before you can get credit, so because your wife had no credit it means she had no credit report. Once it is created (which it will be now as Virgin did the enquiry) she shouldn't have a problem now.

It's just because the way the system works here and a computer decides.

Once you apply for one thing then you are fine, but don't apply for more than 3 things in a 6 month period, that usualy gets you a rejection.

Several years ago to get my credit card, as I didn't have a credit report all I did was apply online for the card (which then created a credit report) I was rejected, then 5 min later applied again (differebt bank) and was approved.

Last edited by canadaeh; May 15th 2010 at 3:01 pm.
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Old May 15th 2010, 3:20 pm
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Default Re: Failed a Credit check, why??

Also, I recall getting a phone with telstra turned down. Apparently I'm a 67 year old Tasmanian woman who hasn't been paying her account according to them. Took several days to sort out and highlight the error of their ways and several offers to come into the store to prove my manhood or show it
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Old May 15th 2010, 3:32 pm
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Default Re: Failed a Credit check, why??

Originally Posted by Centurion View Post
Also, I recall getting a phone with telstra turned down. Apparently I'm a 67 year old Tasmanian woman who hasn't been paying her account according to them. Took several days to sort out and highlight the error of their ways and several offers to come into the store to prove my manhood or show it
Love it, good old Hellstra
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Old May 15th 2010, 5:23 pm
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Default Re: Failed a Credit check, why??

Originally Posted by Howard Jenings View Post
My wife just tried to buy a mobile phone and they had to carry out a credit check, she failed. Not sure why we have been in Aus 15 months, she has no other credit at all she is working full-time, anyone any ideas why??
that's why for you to have a loan credit card ect you are using every month they like to see you paying money into different accounts that's how you get good credit, you you don't pay for any thing you have bad credit crazey i know but thats what makes the world go round
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Old May 16th 2010, 1:30 am
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Default Re: Failed a Credit check, why??

I have a mobile with Virgin on contract, they told us they automatically turn down anyone who hasn't been resident for 2 years.

So when I applied, my year in Australia turned into two...
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Old May 16th 2010, 2:01 am
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Default Re: Failed a Credit check, why??

Originally Posted by Louiseh86 View Post
I have a mobile with Virgin on contract, they told us they automatically turn down anyone who hasn't been resident for 2 years.

So when I applied, my year in Australia turned into two...
We got Virgin phones on our brief validation visit - in some ways wish we hadn't since they use Optus and the coverage drops out all the time in Sydney - you can receive a dozen calls and they cut out after ten seconds almost every time.
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Old May 16th 2010, 2:20 am
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Default Re: Failed a Credit check, why??

Ive got an iphone with Virgin.
We had no problems getting it. However have been in Aus about 2half years when we got it.

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Old May 16th 2010, 2:21 am
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Default Re: Failed a Credit check, why??

Originally Posted by Wol View Post
We got Virgin phones on our brief validation visit - in some ways wish we hadn't since they use Optus and the coverage drops out all the time in Sydney - you can receive a dozen calls and they cut out after ten seconds almost every time.
Pay as you go or contract?
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Old May 16th 2010, 2:42 am
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Default Re: Failed a Credit check, why??

Well Im contract with Virgin and live rural WA, and had no problems with calls.

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Old May 16th 2010, 2:48 am
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Default Re: Failed a Credit check, why??

Hubby got his contact with Virgin once we had been here 3 months - no probs at all! They wouldn't give me contract (as I don't work much) but they did agree to put me on hubby's contract, if he paid his bills on time for 3 months! Kept to their word and I got my shiny new iPhone 3 months after hubby got his!
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Old May 16th 2010, 2:54 am
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Default Re: Failed a Credit check, why??

Originally Posted by Howard Jenings View Post
My wife just tried to buy a mobile phone and they had to carry out a credit check, she failed. Not sure why we have been in Aus 15 months, she has no other credit at all she is working full-time, anyone any ideas why??
Are you permanent residents? This will make a difference.
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Old May 16th 2010, 3:07 am
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Default Re: Failed a Credit check, why??

Originally Posted by Louiseh86 View Post
Pay as you go or contract?
PAYG I wouldn't want to be tied to a contract - I only use the mobile once or twice a month (excluding all the cut-off calls <g>.)
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