Hi all. My father (70y) has just twice been refused a new contract with Sky mobile to upgrade his handset. He has been with Sky for 24 years, never missed a payment, seems to mean nothing. Sky have told him it was the credit check that led to denial and that he should contact Equifax, Experian and Cifas.
I got him to sign up for a free trial of CheckMyFile (reminder set to cancel), which has indicated there is nothing untoward at all on any of the reports from the three credit reference agencies - on electroral register, no CCJs or defaults, no fraud markers, no missed payments etc. Shows his old Sky phone loan, which was settled a few months ago.
I suspect the issue is perhaps a lack of credit accounts. His mortgage is settled, he has no loans etc, in fact the only active account on there is for his business broadband. He is a sole trader, and does have a Natwest business credit card, which is used regularly. Strangely this card isn't listed with any of the agencies - why would this be?
He wants to try another phone provider, but I've convinced him to wait and see first what could be causing the issue.
Any thoughts appreciated.
