Learn about credit checks for BT Mobile

When you place an order with BT Mobile you might need to go through the following checks.

  • A credit check - this checks your credit worthiness and stops people fraudulently ordering things in your name. You might need to answer a few questions about your job history and bank account. The check will be recorded on your credit file
  • An identity check - this is to protect you from identity theft and fraud. You'll need to answer some questions about your personal finances, which will be checked against your credit file
  • A bank check - this is to make sure the details you've given match the details our credit reference agency (Equifax) have on file

We don't see or file any of the information you provide. It's all checked by Equifax. If you have any questions about your credit file you'll need to speak directly to Equifax.

For full details on the information we collect for these checks please see our Privacy Policy >

To find out more about credit checks and your credit history, please contact:

Equifax Credit File Advice Centre
P.O. Box 1140
Tel: 0870 010 0583 >

Why did my credit check fail?

Sometimes the results of the check from Equifax don't meet our criteria for a BT Mobile plan.

We can't see any of the personal information you gave for the credit rating. So if you think the outcome isn't right or you have any questions, you'll need to get in touch with Equifax >

You can also buy a phone outright from the BT Shop

Why do I need to pay a deposit?

Sometimes the result of the credit check doesn't meet our criteria. So we ask you to pay a deposit which means you can then sign up for the plan you want. It's normal to ask for this and doesn't affect your credit profile in any way. Six months after signing up, we'll give you the deposit back.

This deposit is separate to any upfront costs we may ask for in relation to the BT Mobile Phone plan you choose.

Why did my identity check fail?

Based on the answers you gave, Equifax couldn't verify your identity. To protect you, we don't let you carry on ordering BT Mobile (although you can order other BT products). Because we can't see your credit file, we can't comment on your answers to each question.

You'll need to get in touch with Equifax about your credit rating and how it's calculated.

Why did the bank check fail?

The bank details you gave didn't match the details Equifax have on file. To protect you from fraud, we don't let you carry on with your order.

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