topic Re: Sky declining credit check for no reason in Sky Mobile

Sky declining credit check for no reason

Sonja3 — Wed, 02 Apr 2025 04:57:17 GMT

I am trying to move to sky mobile but their credit check rejects me constantly. There is no reason as to why and I have checked with both companies they use. Both reports came back with perfect credit score for me. Yesterday Sky told me that my address could not be matched but both companies and Sky have the correct address and name for me. I am at a loss as to what to do! I have been with Sky internet for 6 years now. The customer service has no solution for the first time in 6 years. Please can someone help?

Re: Sky declining credit check for no reason

Daniel0210 — Wed, 02 Apr 2025 05:10:04 GMT

@Sonja3

If you're failing the checks there's nothing fellow customers here can do for you, See this link for Skys guidance ~
https://www.sky.com/help/articles/credit-checks-sky-mobile

Be aware that if you keep trying to order the device this could further impact your credit score. If you contact Sky they would be able to confirm that’s the reason your order was cancelled but not why you failed the credit check in the first place as they are not allowed to view your credit record.

Any upfront payment you’ve made should be refunded after about 14 days but recent posts suggest it’s taking a bit longer in which case you’ll need to call Sky to chase it up.

Also see this help

https://www.sky.com/help/articles/sky-credit-builder

Re: Sky declining credit check for no reason

Sonja3 — Wed, 02 Apr 2025 06:08:56 GMT

I contacted Sky but they said the reason for failing was that the address could not be matched. All addresses and names are the same. I don't know why Sky will not help. There has to be a solution to that. Both credit checking companies say there is no reason why Sky would reject me. Especially since I have been their customer for 6 years I don't understand why they would for absolutely no reason whatsoever. Can someone please tell me who I need to talk to at Sky so that this is rectified? It clearly is a big Sky issue.

Re: Sky declining credit check for no reason

daveNOS — Wed, 02 Apr 2025 06:27:32 GMT

@Sonja3 You keep saying Sky have rejected you for no reason but that's not the case, they have given you their reason and that is the addresses don't match.

If they are sticking to that reason then there is little you can do other than raise a formal complaint, but as with all credit no company is obliged to accept your application regardless of the length of custom or your credit score.

Re: Sky declining credit check for no reason

Sonja3 — Wed, 02 Apr 2025 07:25:56 GMT

I have made a formal complaint yesterday. I am not able to see their records only their bills and all three addresses match. There is therefore no reason at all for their rejection. Also, I think it is wrong to reject someone who has never had a bad credit score and has proven to be loyal customer for 6 years and has never once failed to pay the bill of any bill for that matter. I may contact the customer protection agency, perhaps they can tell me what to do about this.

Re: Sky declining credit check for no reason

daveNOS — Wed, 02 Apr 2025 08:06:40 GMT

@Sonja3 wrote:
I have made a formal complaint yesterday. I am not able to see their records only their bills and all three addresses match. There is therefore no reason at all for their rejection. Also, I think it is wrong to reject someone who has never had a bad credit score and has proven to be loyal customer for 6 years and has never once failed to pay the bill of any bill for that matter. I may contact the customer protection agency, perhaps they can tell me what to do about this.

@Sonja3 There is a reason for their rejection and they have told you that, customer loyalty and length of custom has no bearing on your eligiblity for credit and your good credit score doesn't mean you will be accepted, no company is obliged to offer you credit just because you have applied for it.

If Sky are sticking to their explanation then its unlikely that will change, you may be better off applying elsewhere and see if you are accepted or if you are declined for the same reason.

Re: Sky declining credit check for no reason

PandJ2020 — Wed, 02 Apr 2025 08:28:47 GMT

It's annoying but it will be an automated system for which staff cannot override.

Of course, you cannot make a company give you credit.

Unless there's a major problem with the credit checking routines there may be not be a way forward unfortunately. (But as noted multiple credit checks can have a negative effect)

Re: Sky declining credit check for no reason

Sonja3 — Wed, 02 Apr 2025 10:00:53 GMT

Yes, there is clearly domething wrong with their process, it's just a shame they are not willing to look into rectifying it.

Re: Sky declining credit check for no reason

PandJ2020 — Wed, 02 Apr 2025 10:01:44 GMT

@Sonja3 wrote:
Yes, there is clearly domething wrong with their process, it's just a shame they are not willing to look into rectifying it.

Maybe - I suspect it's not affecting the majority.

Re: Sky declining credit check for no reason

Sonja3 — Thu, 03 Apr 2025 03:09:39 GMT

I get that but I will not be the only one effected by their issue. I also know that the best advertisement is recommendation and I sure will no longer recommend Sky now. In fact I will cancel all other Sky products. How counter productive is that attitude?... anyways. I came here to try and find out what I can do, not to rand about the unexpectedly bad customer service that I have received. Since there is no solution found here either, I know my options.

Re: Sky declining credit check for no reason

Abyssalsmoke — Wed, 30 Apr 2025 06:59:43 GMT

My experian score is 999 equifax 880 and I was rejected also 😂 no black marks, never missed a payment.

Definitely something wrong with their automated system.

We will just have to take our business elsewhere. Very annoying and they have the best 0% interest deals.

Re: Sky declining credit check for no reason

Sharon164 — Mon, 12 May 2025 13:39:08 GMT

I'm also having the same issue.

I'm a Gold VIP member and had perfect credit. They won't help or even offer to look into it.

Re: Sky declining credit check for no reason

Daniel0210 — Mon, 12 May 2025 13:43:33 GMT

@Sharon164
If you contact Sky they would be able to confirm that’s the reason your order was cancelled but not why you failed the credit check in the first place as they are not allowed to view your credit record.

Re: Sky declining credit check for no reason

Mishro — Sat, 21 Jun 2025 08:16:35 GMT

I had the same thing, perfect credit score on all systems. Sky customer for 20years platinum vip I pay £100s to sky

only wanted to buy something from them and a data sim, not even credit!

I bought the item cash Amazon and another sim

now I'm annoyed their search hits my credit file and I've lost 66 point for no service!

Re: Sky declining credit check for no reason

GD1 — Sat, 21 Jun 2025 08:24:55 GMT

@Mishro How much you pay to Sky & tenure has no bearing on a credit search, Sky like all responsible lenders will carry out a hard search, if you fail Sky can't offer you a credit facility, All hard sesrches will show regardless of being sucessful or not.

Re: Sky declining credit check for no reason

Mishro — Sat, 21 Jun 2025 10:24:57 GMT

I think that misses the point, it makes a huge difference, they are happy to talk £xxx a month and put that up

but whatever their system us it's wrong

ignoring not needing a nanny state check, , I would get it if there was an issue but perfect score means no credit risks. Great track record with Sky etc there's no risk factor. But what I think, like the original poster, is it's their system. An address error or in spelling mistake and your penalised

their loss as I've already gone to another provider and am about to cancel all Sky so they get no more money

plus I bought what they would sell me

It's also bad they jump straight to hard credit searches

Re: Sky declining credit check for no reason

daveNOS — Sat, 21 Jun 2025 12:08:06 GMT

@Mishro wrote:
I think that misses the point, it makes a huge difference, they are happy to talk £xxx a month and put that up
but whatever their system us it's wrong

ignoring not needing a nanny state check, , I would get it if there was an issue but perfect score means no credit risks. Great track record with Sky etc there's no risk factor. But what I think, like the original poster, is it's their system. An address error or in spelling mistake and your penalised

their loss as I've already gone to another provider and am about to cancel all Sky so they get no more money

plus I bought what they would sell me

It's also bad they jump straight to hard credit searches

@Mishro There is no such status as "No credit risk" , your credit score isn't the only factor taken in to account when lenders make a decision, they look at the amount of open credit accounts on your file and if that number exceeds their acceptance criteria you will be declined, regardless of whether you can afford it.

If you have entered any details wrongly then that's on you, its not the fault of Sky or their system, they reject when errors are made to prevent fraud(all providers that offer any credit will do the same).

Re: Sky declining credit check for no reason

Bruc1e — Fri, 17 Oct 2025 08:25:52 GMT

Sorry to drag up an old chain but it's still happening. Perfect credit score but was refused a £1/month phone contract.

Re: Sky declining credit check for no reason

PandJ2020 — Fri, 17 Oct 2025 08:29:15 GMT

@Bruc1e wrote:
Sorry to drag up an old chain but it's still happening. Perfect credit score but was refused a £1/month phone contract.

The check involves more than just the 'credit score'. Chances are there was something that has mismatched in the check (such as addresses) which has declined it.

Re: Sky declining credit check for no reason

Bruc1e — Fri, 17 Oct 2025 08:32:14 GMT

That's what I'm thinking. I've just seen on MoneySavingExpert forum

"I got to the bottom of the problem! The address database is different from the one used by Experian and my addresses had to be corrected to what they have but their database is inaccurate. One address is seen as one house when in fact it has a total of 4 individually numbered flats. Hence the discrepancy"

The county I live in can be written in more than one way so I'm guessing its something to do with that.

Amazing that I could get a mortgage for considerably more than £1/month.