Device swap

[Madi2]

Hi, I'm looking at swapping my device to a new one which is to bring down my monthly payments. I am unable to do so at this moment as I keep failing the credit check. I would be swapping my device to something that is £20 cheaper per month, this is why I'm struggling to understand why it's not just a straight swap. 

[MightyQuinn]

Hi @Madi2   Have you completed your minimum term?

[Daniel0210]

@Madi2 

Credit checks are still carried out. There's obviously something in your credit history causing this. 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. You would have to sign up to a credit reference agency like Experian or Equifax, which would give you access to 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.

[Madi2]

Yes. I have completed 2 years and was able to 'swap' this month with no extra cost. 

[Daniel0210]

---

@Madi2 wrote:

Yes. I have completed 2 years and was able to 'swap' this month with no extra cost. 

---

@Madi2 

Unfortunately that still doesn't guarantee a successful credit check/s.