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99% contract applications are approved automatically with out issues, everyone's happy.:slight_smile:

Sadly I have just seen a post where unfortunately the customers application has been declined.

 

When you apply for a mobile contract . The contract is automatically proofed internally by   

Telefónica Germany GmbH & Co. OHG Risk Prevention Centre .

 

Information about your credit worthiness is proved by the German SCHUFA.

The SCHUFA keeps data to help O2 manage risk factor's including fraud prevention checks to make sure the customer is creditworthy and is able to make the payments on time. 

If a customer is rejected there are things they can do.

First don’t  contact  customer services. Under German law they will refuse to provide reasons for you rejection.

 Posting in this community won’t  help either. The  moderators and employees are not able to provide further information.

Please try to remain calm, I've seen posts of anger due to the situation.

I’m here to show you what you can do.

 First write a letter requesting  information about the negative credit check. If you think you can provided information to correct any mistakes such as a miss spelling, you could try and send this information to O2

Here is the direct address for you.

BONITAET | Telefónica Germany GmbH & Co. OHG

Auskunftsstelle

90345 Nürnberg

 

This is most important. Under German data law your entitled to a free copy of your SCHUFA data including your SCHUFA Score. This information is updated 4 time a year on average.

Banks and credit companies the SCHUFA score is updated in real time. 

Datenkopie (nach Art. 15 DS-GVO) anfordern click here 

Translated ( Request a copy of the data (according to Article 15 GDPR) )

If you see incorrect or false entries in your SCHUFA in some cases the SCHUFA can remove those entries but not always. The scope for this is very limited.

Hope this helps. If you have further questions please post here. Please do not post private information.

I can only reply to general questions .

 

edit o2_Tobias: correction of address

Hi @ukguy, 

 

thanks a lot for your explanation when contracts are denied internally by o2. 

 

I just have changed the address to the official one. 

 

If a customer received a denial of o2 My Handy, there is still the possibility to order the device in one amount online. 

 

The customer needs to click on the button “Sofortkauf” (immediate purchase): 

 

 

In this case, we will not do an internal creditworthiness-check. 

 

Thanks a lot for the nice article. 

 

Loving greetings,

Tobias

@o2_Tobias the problem I have with your comment customers can pay for the mobile Sofortkauf is point less  . The  SHUFA check article clearly refers to customers who have been rejected for a POSTPAID CONTRACT  and the customer wishes to buy the handy in INSTALLMENTS . If a customer could afford  the full purchase price then they might as well take up a PREPAID  Handy with PREPAID sim card. The point to understand not every customer has hundreds of euros to  to buy a new handy sofort. Please read my post carefully is all about being turned down for a POSTPAID  contract in which I know for sure O2 makes a SCHUFA check in real time. I can tell you I have online access to my SCHUFA  account in Realtime So I do know what's going on. I present the facts known to me at the time of posting . 

Not everyone that opts for payment in instalments cannot afford to buy the phone with one payment. That is the default and many people choose to pay in instalments because it does not cost more to do so. A lot of people also opt to pay off the remaining instalments early although there is no benefit to doing so. You also need to bear in mind that the Schufa is just one small part of the puzzle. There are other criteria that companies use so just because o2 rejects a credit agreement dies not mean the customer cannot afford to pay. As such it would appear reasonable to point out the option of paying the whole sum for the phone at once if that is the only option for the customer.

@bs0 ok

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