Credit where its due

[old bill]

As some of you may know I am not very fond of O2 but I must give it credit when its due. A friend of mine recently had to enter in to a IVA. One of her creditors was 3 and even after the IVA had been passed they chased her for the money for a few weeks.Now that she has got the money side of things sorted out she is quite happy to window shop. She was in a CPW store today looking at the handsets she knew she would not be able to have for the next 6 years. She had a chat to one of the CPW sales people and explained that as much as she would like a new contract phone she would be unable to get one. They offered to run a credit check for her and to her surprise she passed it. She is now deciding weather to take out a new contract or stick with PAYG. But to be fair to O2 at least she passed the credit check. Not sure if its down ot O2 or CPW for the credit checks.

[acoolwelshbloke]

It is not down to 02 but CPW! (and if you passed with them you should pass a credit check else where)

Also to note, she is prob not blacklisted as you have to have a CCJ in order to have the six year bad luck thing and from what I have read an IVA is not or does not come with a CCJ!!

Debt collectors can put a black mark on your credit file but this does not mean you will fail a credit check, well an automatic one at that depending on how many black marks you get.

However if someone manually checks your credit history like a bank manager then they take those in to account and may turn you down for credit.

The only things that really damage you credit wise is a CCJ or if you have no credit history!