Reportwww.callcredit.co.uk/consumer-solutions/your-credit-report/statutory-credit-report legal if things reach the stage where O2 must separate your account for default and it either either transfers to an external collection office or sold to a collection buyer who initiates his own enforcement action to recover the balance of due (plus fees), your account will be declared in default, which is usually reported in your credit file as a D or a black dot (which may be the dash). This can also happen when an account is separated at the customer`s request, but a final invoice is produced, but has not been paid, so it is never recommended to cancel all debit instructions on its own, as O2 automatically cancels them as soon as all the amounts owed have been paid (or sometimes if the refunds due were issued with the statement) If an account is in default, the registration is also displayed on the date of the default, the amount due at the time of the delay, the amount remaining to be paid and whether the debt has been paid. The reason for this search is to check the information contained in your application and to check if a credit facility can be made available to you based on the information contained in your credit file – later. I hope that when things are done at this point, you will be able to get back on track, or an agreement with O2 to get the account back on track, but unless the balance has been fully compensated, arrears will continue to be reported – if you have a installment plan agreement to settle debts over a specified period, one of the conditions you agree to when the agreement is put in place is that it be declared as a “debit plan” (I) or “arrangement to pay” (AP) and posted on your credit file. Rejected – based on the information contained in your application and which were found during the searches, O2 are unfortunately not able to provide you with a credit facility/monthly account payment at that time. This generally becomes commandable by the Commission to verify Cras` records that have been accessed as part of your application. No good news, of course, but if you`re not aware of a problem, it`s definitely worth following the advice and checking your credit files (see below) to find out what went wrong. If your application has been rejected due to a residue balance due to O2, they are usually able to inform you and help you sort it so that your new account can be approved and opened.