3 Mobile

Out of all the major phone networks in the UK, 3 Mobile have always been more tolerant to people with bad credit history. Ever since they were first established in 2003, many people with poor credit history have been successful in getting approved – despite being refused elsewhere.

Although they do not guarantee approval, you stand a much better chance if you apply for a less expensive tariff and choose a lower value or free handset. We recommend that you take a look at their new Skypephone handset. The Skypephone works like a normal phone and features onboard software which also allows you to make free calls to other Skype users.

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BluePhone

BluePhone offer a range of mobile phones with no credit check required. All their handsets are supplied free of charge on tariff price plans starting from only £8 per month.

BluePhone are the recommended site for getting a mobile phones with no credit check.  Although no formal credit checks are needed, you still need to verify your identity by sending in 2 proofs of address. Other requirements:

• Have a credit/debit card
• Registered on electoral roll
• In full time employment
• Have a bank account with direct debit facilities

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Dolphin Finance

Guaranteed Finance do not offer mobile phones with no credit check, but offer a guaranteed SIM card only option which is available for a fee of £25 as well as a £5 admin charge.  No credit checks are performed on this SIM card, but you will need to verify your identity by sending in your proofs of address and identification.

Guaranteed Finance are part of the G Finance group which act as affiliates and agents for a number of finance websites which provide credit to people with adverse credit history.

No credit checks are required to sign up for their SIM card, but you are required to send proofs of ID and address and have use of an existing credit card.

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Orange

You may be surprised to discover that Orange offer bad credit contract phones, but out of all the major UK networks, they are one of the more lenient and sympathetic when dealing with people with bad credit history.

Orange have a lower credit scoring approval rate compared to other networks, and although you are not 100% guaranteed for acceptance, you can vastly improve your chances of getting a contract phone if you avoid applying for top of the range handsets like the Apple iPhone or Nokia N97.

It is important that you apply directly on their website. Applying directly allows Orange time to manually review your application and increases your chances of being accepted.

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Vodafone

Vodafone have a good acceptance rate for people with bad credit history.

Vodafone now offer their £10 SIM a month SIM only contract as an alternative if you fail to get approved for their contract phones. It comes as a SIM card only without a handset along with a number of temporary restrictions on your account.These include no picture messaging, no international calls and no intertnet access.

Once you have paid 2-3 regular months bills, these restrictions can be lifted and you can ask to be upgraded to a standard contract with free handset upgrade.

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