The Sky team finds credit checks very important for products paid in instalments.
If you are asking do Sky credit check for TV and broadband, chances are you are about to get one.
If you are looking to purchase any item from Sky, there are important factors you must know first.
Sky carries out credit checks on the Sky Glass TV if it is purchased in Instalments. They also carry out credit checks on many other products. However, it is not all products that require checks as you may imagine.
This post looks at Sky credit for TV and broadband in detail. Keep reading to find out whether it is necessary to have good credit to get Sky TV and broadband.
The Sky team like all other TV and broadband providers uses credit checks when issuing products.
If you are purchasing a product on credit, they normally check to see how good your history is.
There are a few reasons why TV and broadband providers check for credit.
To Ascertain Your Capacity to Pay for Your TV
The main reason for credit checks is to ascertain whether you have the capacity to pay your credit.
Remember that issuing a product on credit is a risk to the company. It is therefore in their best interest to ensure that you are in a position to pay it.
To Ascertain the Ideal Value of Credit
The other important factor that the Sky team tries to ascertain is the value of the product you deserve.
If you are looking to purchase a specific product, the team has to ascertain if your credit warrants such.
Remember that you may fail to get a certain product from Sky but qualify for another.
The difference is in the value of each product.
The Sky credit check team offers you a product they think you may pay for without a problem
Different credit agencies look at different factors. There are very diverse systems of credit evaluation.
This is why you may qualify for credit with one brand and fail with another.
Big companies such as Sky tend to be a bit more strict with their evaluation.
Although the specific factors they look at are not known, below are some factors the team may observe.
- The check to see if you are currently paying for other products taken on credit.
- They find out the names of all companies where you have taken products on credit .
- They also check your credit repayment track record for all the companies where your name is listed.
- They evaluate the amounts of credit you have requested previously and repayment performance.
- They look for any payments that are more than 60 days overdue.
- They look for any legal proceedings or judgments made against you in regard to credit payment.
- They check the National Personal Insolvency Index database for any information about you.
- They consider the opinion and advisory information issued by credit providers.
These are just but a few of the factors that Sky experts find important. As mentioned, you can never tell what exactly the system looks for.
However, most brands that issue products on credit must look at such factors.
Do you Get Credit Checked for Sky Q?
The Sky Q box is one of the high-end products the company offers. If you want to get the Q box, you can purchase it in cash or on credit.
Whether you undergo a credit check or not depends on the model of purchase you choose.
Sky will perform credit checks if you are purchasing the Sky Q box on credit. Besides the credit checks, they also carry out affordability, fraud and identity checks.
Fraud and identity checks are important to avoid identity theft. The team has had to deal with situations where people purchase products using false information.
If you will be purchasing the Sky Q box on credit, make sure you have proof of identity.
Does Sky Require Credit Check for Sky Glass
The Sky Glass TV is offered on almost similar terms as the Sky Q box. You are not under any obligation to buy the TV on credit.
You can choose to pay the full amount and take your TV home without any strings.
On the other hand, you have the option of paying in instalments. Like the Q box, you will have to be checked for this. You must undergo credit, fraud and identity checks as well.
The simple answer to the question do Sky do credit checks for TVs is yes.
They do credit checks if you are purchasing Sky Glass in instalments. You can only escape the checks if you pay in full amounts.
The other common question people ask is, does sky broadband do credit checks?
If you are going for broadband-only, you may not have to undergo credit checks. However, the truth of the matter is only known by the Sky team.
Most brands that offer broadband only do not require a credit check. The Sky team
also says that they do not require a credit check for broadband-only. However, if you have a low credit rating they may require that you pay for the router upfront.
The contradiction between what they say and what happens indicates that credit checks are a must.
While they say they do not check credit, chances are they do. If you have poor credit you may still fail to get the sky broadband.
Minor utility bills such as broadband and TV do not affect your credit that much.
Even so, they are submitted to credit reference agencies and could appear on your credit report.
According to Sky, they are likely to submit the information you provided when applying for credit.
If you fail to pay your credit facilities, the information will also be passed to the agencies.
It is upon their credit reference agencies such as Equifax and Experian to decide what shows on your report.
If they decide to show your TV and broadband repayment, it will appear on your credit report without a doubt.
The truth is that Sky does credit checks for TV and broadband. Although they claim that they do not need credit checks for broadband alone, they do.
Whether they do credit checks for TV is not a secret. Sky states clearly that they perform credit, fraud and identity checks.
The checks are only for those purchasing products on credit. If you do not want checks just purchase them with Cash.
The strictness of their credit checks depends on what you are purchasing.
For those purchasing broadband only, the chances are that you will get the product even with poor credit. The company tends to be stricter with high-value products.
Ideally, all cable and broadband providers should do some background checks.
This is especially if you are getting high-end products. Cable and broadband providers do not issue products without considering your ability to pay.
Like Sky, the other factors that have to be checked include your identity. They also consider the possibility of fraud reports and consider your credit history.
Even so, there are many brands that give you access to cable and broadband without credit checks.
If one brand fails you, try another.
If you are asking do Sky credit check for TV and broadband, you have your answer.
The Sky team usually carries credit checks before issuing TV and broadband contracts.
However, the strictness of the checks depends on the value of your contract.
Read Next: Do Vodafone Credit Check For Upgrades?
Kevin has over five years of experience working in various Tech startups and providing Technical solutions. He has contributed to many Tech publications and websites.