[Xperia Z General] RCJ89:
Just looked at carphone warehouse website about credit checks and this is what is stated.

Credit checks

What is a credit check?

Our mobile phone and internet providers use credit checks to look at your financial history before deciding whether to offer you a contract. We have to carry out a credit check every time one of our customers signs up to a pay monthly mobile phone, broadband or laptop contract. This helps protect you from identity fraud and stops you from running up bills you can't pay.

Our credit checks are carried out by our credit checking agencies, Equifax and Experian. To decide whether we can let you sign up to one of our deals, they look at information from:

The electoral roll

Court records such as CCJs (county court judgements) and bankruptcies but not criminal convictions

Your financial history - all your dealings with banks, building societies and other lenders

How does a credit check work?

We'll always ask your permission before we run a credit check. If you buy something in one of our stores or over the phone our advisor will put your information into a computer system linked to Equifax's data bank. This data is retrieved electronically within a few seconds, and matched against a profile set by your service provider.

If you're signing up online we'll send you an email if you haven't passed the credit check - if you don't hear anything you can assume you've passed.

If buying in-store we'll let you know there and then if you've been accepted, and if you haven't we'll do our best to find a different product that suits your needs.

Whose decision is it?

All decisions about whether you can sign up to a deal are taken by your service provider, based on information supplied by Equifax and Experian. We don't see the information they base their decision on. However, if you sign up to our laptop credit agreement, the decision to accept your credit application is taken by us.

What if I'm asked to pay a deposit?

Sometimes your network might ask you to pay a deposit before you can sign up. Find out more on our deposits page.

What if I don't pass the credit check?

Don't panic, we've loads of great deals that don't require a credit check, and we'll do our best to find one that suits you. But don't try to buy a Pay monthly contract online again - taking lots of credit checks can harm your credit rating.

Find out more about your options if you didn't pass a credit check.

If you'd like help buying something, give us a call on 0870 087 0870^

^Calls to this number may be free from a landline. Prices of calls from other providers may vary and from mobiles may cost significantly more. Calls may be recorded and/ or monitored. Visit this page for opening hours.

Credit checks

What is a credit check?

Our mobile phone and internet providers use credit checks to look at your financial history before deciding whether to offer you a contract. We have to carry out a credit check every time one of our customers signs up to a pay monthly mobile phone, broadband or laptop contract. This helps protect you from identity fraud and stops you from running up bills you can't pay.

Our credit checks are carried out by our credit checking agencies, Equifax and Experian. To decide whether we can let you sign up to one of our deals, they look at information from:

The electoral roll

Court records such as CCJs (county court judgements) and bankruptcies but not criminal convictions

Your financial history - all your dealings with banks, building societies and other lenders

How does a credit check work?

We'll always ask your permission before we run a credit check. If you buy something in one of our stores or over the phone our advisor will put your information into a computer system linked to Equifax's data bank. This data is retrieved electronically within a few seconds, and matched against a profile set by your service provider.

If you're signing up online we'll send you an email if you haven't passed the credit check - if you don't hear anything you can assume you've passed.

If buying in-store we'll let you know there and then if you've been accepted, and if you haven't we'll do our best to find a different product that suits your needs.

Whose decision is it?

All decisions about whether you can sign up to a deal are taken by your service provider, based on information supplied by Equifax and Experian. We don't see the information they base their decision on. However, if you sign up to our laptop credit agreement, the decision to accept your credit application is taken by us.

What if I'm asked to pay a deposit?

Sometimes your network might ask you to pay a deposit before you can sign up. Find out more on our deposits page.

What if I don't pass the credit check?

Don't panic, we've loads of great deals that don't require a credit check, and we'll do our best to find one that suits you. But don't try to buy a Pay monthly contract online again - taking lots of credit checks can harm your credit rating.

Find out more about your options if you didn't pass a credit check.

If you'd like help buying something, give us a call on 0870 087 0870^

^Calls to this number may be free from a landline. Prices of calls from other providers may vary and from mobiles may cost significantly more. Calls may be recorded and/ or monitored. Visit this page for opening hours.