I too failed a credit check when I am in tip top financial health.
However, this did lead me to PREVENTING A FRAUD.
I use Experian Credit Check and Virgin use Equifax. If you sign up for a year with Equifax you get 30 days free and INSTANT access to your details. You must then cancel with 30 days to prevent any charges!
I received a letter stating I had ordered a mobile phone the other day. There was no address and so I discarded.
Had I not checked out Virgin's check I would not have discovered that someone LOCALLY tried to use my correct credit card details to open an O2 contract account. Of course I have had to cancel my card(s) which is an inconvenience, but nothing major had happened.
Nobody is safe from identity theft. This was not from discarded information but from someone with access to a reputable telephone transaction.
Maybe you should all take a note and check your own details. FOR FREE!
If anyone does get any sense out of Virgin, let me know.
They were happy to take my money to purchase a telephone on pay as you go but NOT as a meagre ten pound a month NTL customer!
Maybe it is just an excuse to avoid giving out half price sim cards?
I would like to hear from anyone who has had such a decision overturned. They suggested I tried again before the end of the month, and then ("attempt" my words)to contact their finance department who may be in a position to overide the decision. Having worked in call centres in the past for ten years, I know bull**** when I step in it!
