As we are authorised and regulated by the FCA, we carry out credit checks on all customers to ensure monthly payments are affordable and to protect against fraud. We also believe this is the responsible thing to do for our customers and Raylo.

Based on the information held by the credit reference agencies, unfortunately we sometimes have to decline applications. However, as we want as many people as possible to enjoy Raylo, where possible, we will give the option of paying more rather than just saying "no". If you decide to join Raylo, we will do our best to offer you our standard pricing when it’s time for you to upgrade.

If you want further information, we suggest you review your free credit report from Credit Karma ( or ClearScore ( For helpful tips on how to improve your credit score, check out this helpful article from Money Saving Expert (

If you would like to discuss further, please contact our UK customer service team on 0333 050 9880.

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