Credit checks - Sky Mobile

  • To purchase a phone or tablet from Sky you can either buy the device outright or sign up to a credit agreement.

Buying a phone or tablet with a credit agreement

  • A credit agreement is a type of loan which allows you to spread out the total cost of a new device over several months. This is authorised and regulated by the Financial Conduct Authority.

Credit, fraud and identity checks

  • As part of your Sky Mobile order, we use information from a combination of sources to help run credit, fraud and identity checks.

  • We have an obligation as a responsible lender to make sure we offer credit agreements appropriately and these checks help us do that.

  • We'll always ask for your permission before we perform these checks. Without it we won’t be able to proceed.

  • When you take a credit agreement with Sky Mobile other lenders may also see that a Telecommunications company has performed a credit search. Other lenders may take this into account when making their own decisions about offering credit.

Not eligible for a credit agreement?

  • You could be declined a credit agreement for a number of different reasons.

  • While you can contact us regarding this, we're unable to give you the exact reason why your application for a Sky Mobile credit agreement was declined. If you’re concerned, speaking with a Credit Reference Agency may help. Equifax are Sky’s chosen Credit Reference Agency.

  • Sky credit builder may help. It lets you build up a payment history with Sky Mobile over six months, and this is taken into consideration if you re-apply to buy a phone with a credit agreement. Sky credit builder is not currently available for tablets.

Your credit report

Equifax contact information:

Equifax Ltd
Customer Service Centre
PO Box 10036

Tel: 0333 321 4043 (standard call charges apply)

  • There are other Credit Reference Agencies who you can speak to about your credit score. A list along with more information can be found at

Do you need more information about our credit checks?