When applying for a mobile phone contract, network operators will require that you pass a credit check to make sure you can make repayments on time – but what if you are experiencing trouble with bad credit history?
There are not many UK companies which offer mobile phones on contracts specifically to people with bad credit, but that doesn’t say you can’t get a mobile phone on a contract with the main mobile phone networks.
Follow the tips below and get approved for a mobile phone contract today! – Even if you have bad credit history. Don’t believe us? – read our testimonials which we receive everyday from satisfied customers!
Tip #1 – Apply Directly Online With T-Mobile, Orange and 3 Mobile
It’s no industry secret! – applying online direct with the mobile phone networks can instantly get you accepted for a mobile phone on contract with a monthly plan. High street retailers such as Carphone Warehouse, Phones4u, etc, all have a stringent credit check criteria. This is because they receive a commission from the network, so they cannot take any risks when signing customers that may not keep up their monthly repayments as they would not get paid their commission. This is why their credit check is harder and the reason why most people with lower than average credit will get rejected when going for a mobile phone on contract via a high street phone shop. Such companies are mainly suitable for people who are more likely to be accepted i.e. people with AAA+ or above average Credit (Not people with bad credit!)
Not many consumers are aware that each mobile network operator also has a different credit checking criteria and that some networks are easier to be accepted for than others.
Out of the 6 UK networks, T-Mobile, Orange and 3 Mobile have the easiest credit checking criteria. But you must apply directly online – to be approved! It’s that simple.
Online credit checks are easier – If you go in store to any of the retailers, you are more likely to be rejected than online. So even if you were refused by T-Mobile or Orange in store, you can be accepted if you apply online with them direct!
Recommended: T-Mobile is the number one choice to go for since they accept many people, even those with bad credit! Do not consider your other options until you have tried T-Mobile. You’re chances of being accepted for a mobile phone contract with T-Mobile are much improved if you apply direct. Apply for a low-end mobile phone with a low end monthly tariff or simply click here to see the deals we have listed with T-Mobile that have excellent approval rates for people with bad credit. Apply Now and get your new contract mobile out on delivery today!
Recommended: Orange is a great second choice to T-Mobile since they accept many customers, even those who have a bad credit rating. There are some great deals to be found, and Orange remains a very popular network.
You are almost guaranteed a mobile phone contract with Orange if you apply direct. Apply for a low-end mobile phone with a low end monthly tariff or simply click here to see the deals we have with Orange that have 100% high approval rates for people with bad credit. Apply Now and get your bad credit mobile out on delivery today!
Recommended: 3 Mobile have been consistently at the front of new mobile technology in the UK. As well as being the first 3G network in the country, they also launched the first video mobile network in 2003 and are continuing to grow from strength to strength.
In their attempts to establish themselves as a leading global network operator, they are very keen on taking on as many customers as possible – even those with bad credit history.
Similarly to T-Mobile, 3 do not openly advertise that they are more lenient in providing bad credit history mobile phone contracts. This is so that they are not flooded with applications from people with adverse credit history, and also because of the stigma that this would give their brand!
You are almost guaranteed a mobile phone contract with 3 Mobile if you apply direct. Apply for a low-end mobile phone with a low end monthly tariff or simply click here to see the deals we have with 3 Mobile that have 100% high approval rates for people with bad credit.
Tip #2 – Avoid Applying For Expensive Handsets and High Monthly Tariffs
As mentioned in Tip#1, we have highlighted the mobile phone deals suitable for people with bad credit. Not many people are aware that when you apply for a pay monthly contract, the credit checking criteria is based upon the value of the specific phone and monthly tariff plan you choose.
The more expensive the handset and the higher the monthly line rental cost, the tougher the credit check. Pay monthly mobile phone contracts work exactly like any other type of loan – the more you borrow, the harder it is to be approved.
IMPORTANT NOTE: Applying for a low-end free handset on a cheaper tariff virtually guarantees acceptance for a pay monthly contract. Do not apply for tariffs more than ?30 per month as you will get declined!
Until you improve your credit rating, the chances of you getting an expensive handset like the Apple iPhone with a contract of ?45 a month is virtually impossible. So steer clear from these expensive combinations and other packages which include free gifts when making your choice.
To make it even easier for you – we have listed the current Top rated and best possible bad credit mobile deals with all the three recommended networks! Best in terms of highest grade of handsets available to those with bad credit.
You are almost guaranteed acceptance for any one of the mobile phone deals we have listed, and the handsets aren’t too bad either! In fact, you’ll be surprised to know they are some of the top selling handsets on the market today – Including HTC, Blackberry and Sony Ericsson!
Simply go to the deals page, click the phone deal of your choice to be taken directly to the checkout page. Apply now and get your bad credit mobile out for delivery today!
Tip #3 – Consider SIM Card Only Contracts
Even Easier Credit Checks & Approval
More minutes, more texts than PAYG
Because no handset is included with the contract, in the eyes of the network this makes you less of a ‘risk’ and therefore you are more likely to be approved for a contract. (as mentioned in Tip#2)
Sim-only contracts come with better inclusive calls and text each month compared to standard contracts, and also come on a 30 day rolling contract instead of the usual 18 or 24 months. This means you can cancel after 30 days and are not bound to a minimum term contract.
Why do we recommend this as an option?
If you already have an existing handset that you’re using and are content with, but are on PAYG, then perhaps you should consider the SIM card only option. Sim-Only deals start from as little as ?10 per month and can offer great value as opposed to PAYG tariffs and normal contract tariffs where a handset is offered!