Mobile Phones For Those With Bad Credit History
Each time you apply for a pay monthly mobile phone contract, you will be subject to undergo a a credit checking procedure before before being approved.
This is the case for every UK network and is done to reduce fraud and also to ensure customers are able to pay their bills each month.
However, even if you have a poor credit rating this doesn't mean you won't be able to get a pay monthly phone on one of the major networks.
And it's equally true that even if you have been declined for a contract phone by one company, it doesn't mean that you would necessarily be turned down by another company.
Although all companies will run a credit check on your application, the important thing to note is that they do not all use the same agency.
In addition, companies set their own credit score levels, and some require higher credit scores than others.
T Mobile are one of the most sympathetic when dealing with people withpoor credit rating.
You will need to order directly with T-Mobile via their website for the best chance of being given a contract phone.
accepted for a mobile phone contract.
Pick a tariff plan you can comfortably afford to repay, and if you already have an existing handset, you should consider T Mobile's Solo Lite SIM card only 30 day rolling contract.
Once you have a track record of repayments, you can ask to upgrade to a longer contract with the free handset of your choice.
Once you have made regular payment of your monthly bills, you can then request to upgrade to a free handset on a longer contract.
You may initially be offered a tariff with restrictions - no calls to international countries, no picture messages, no internet usage for a period of time (usually for two or three months), but when you have proven yourself as a good customer, the restrictions are then automatically removed.
You should be aware that there a number of retailers who offer phone contracts without the need for a credit check.
We do not recommend such plans as the "no credit check" often comes at a price.
cost.
the selection of phones is limited, you are tied into a much longer contract length and the price you pay for calls is usually much higher than you would expect to pay on a standard contract or PAYG mobile phone.
This is the case for every UK network and is done to reduce fraud and also to ensure customers are able to pay their bills each month.
However, even if you have a poor credit rating this doesn't mean you won't be able to get a pay monthly phone on one of the major networks.
And it's equally true that even if you have been declined for a contract phone by one company, it doesn't mean that you would necessarily be turned down by another company.
Although all companies will run a credit check on your application, the important thing to note is that they do not all use the same agency.
In addition, companies set their own credit score levels, and some require higher credit scores than others.
T Mobile are one of the most sympathetic when dealing with people withpoor credit rating.
You will need to order directly with T-Mobile via their website for the best chance of being given a contract phone.
accepted for a mobile phone contract.
Pick a tariff plan you can comfortably afford to repay, and if you already have an existing handset, you should consider T Mobile's Solo Lite SIM card only 30 day rolling contract.
Once you have a track record of repayments, you can ask to upgrade to a longer contract with the free handset of your choice.
Once you have made regular payment of your monthly bills, you can then request to upgrade to a free handset on a longer contract.
You may initially be offered a tariff with restrictions - no calls to international countries, no picture messages, no internet usage for a period of time (usually for two or three months), but when you have proven yourself as a good customer, the restrictions are then automatically removed.
You should be aware that there a number of retailers who offer phone contracts without the need for a credit check.
We do not recommend such plans as the "no credit check" often comes at a price.
cost.
the selection of phones is limited, you are tied into a much longer contract length and the price you pay for calls is usually much higher than you would expect to pay on a standard contract or PAYG mobile phone.
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