Discussion topic: Sky declining credit check for no reason
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Message posted on 21 Jun 2025 11:24 AM
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Re: Sky declining credit check for no reason
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
Message posted on 21 Jun 2025 01:08 PM
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Re: Sky declining credit check for no reason
@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).
Message posted on 17 Oct 2025 09:25 AM
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Re: Sky declining credit check for no reason
Sorry to drag up an old chain but it's still happening. Perfect credit score but was refused a £1/month phone contract.
Message posted on 17 Oct 2025 09:29 AM
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Re: Sky declining credit check for no reason
@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.
Message posted on 17 Oct 2025 09:32 AM
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Re: Sky declining credit check for no reason
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.
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