5 Places You Can Get A Mobile Phone Contract With Bad Credit History

Orange

It may come as a surprise to learn that Orange  can provide you a mobile phone with bad credit history, but the network giants are certainly more sympathetic and flexible when dealing with people who have a poor credit rating. Many people have successfully applied for pay monthly mobile with Orange despite suffering from a bad credit history.

Although you are not guaranteed for acceptance, Orange will rarely refuse you outright if you fail their credit check; and will usually offer you their SIM only contracts as an alternative. The Solo Lite package does not include a handset and has a number of restrictions such as no picture messaging, no internet access and no international calls. These restrictions are then lifted after 3 months of bill payment. Recommended retailer for mobile phones with bad credit.

Click to visit Orange

3 Mobile

In comparison with all the UK phone networks, 3 Mobile have always been more flexible and sympathetic when dealing with applications from people with bad credit history. Although you are not 100% guaranteed for acceptance, 3 Mobile will always do their best to offer you an alternative handset/tariff package if you fail to pass their credit check.

When your details are put through their credit check procedure, all applications with a credit score of over 750 out of 1000 will automatically be approved. If your credit score falls between 650-750, 3 Mobile will manually review your application and will either:

• Ask that you pay an upfront deposit (the amount will vary depending on your circumstances).

• Offer you an alternative handset and tariff plan that you have applied for.

Like most networks, the value of the handset you are applying with plays a big part in determining whether you are accepted or declined for approval. The more expensive the handset you opt for, the greater the perceived ‘risk’ you are. The best option is to choose a free or low value handset to ensure a greater chance of being approved.

Click to visit 3 Mobile

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.

They are said to approve people no matter what their existing credit history and although your application will not be put through a credit check, you will need to verify your identity with two forms of proof of address required. Other requirements include : Over 18 and in full time employment, Credit/debit card and Bank account with direct debit facilities

BluePhone are the recommended site for getting a mobile phones with no credit check if you fail to get one with the main networks T Mobile and 3 Mobile.

Click to visit BluePhone

Guaranteed Finance

Guaranteed Finance do not offer bad credit contract phones but can provide a pay monthly SIM card with guaranteed acceptance.

Although no credit checks are required, an identity check is needed for verfication purposes and this incurs a £5 administration fee. The SIM card costs a payment of £25 and monthly tariff charges start from £10 per month with 150 minutes and 150 texts.

Part of the G-Finance group, Guaranteed Finance are a small and relatively unknown company compared to the likes of Orange and 3 Mobile. Acting as agents and affiliates, they have a number of websites which introduce customers to companies providing credit facilities to people with adverse credit history.

Click to visit Guaranteed Finance

Dolpin Finance

Dolphin Finance do not provide bad credit contract phones, but similar to T Mobile they offer a SIM card only option which comes with no handset. The SIM card comes on a 30 day rolling contract which you can cancel at any time, so there is no need to be tied down for standard 12 contracts.

* Cancellable at anytime with just 30 days notice
* All calls are 8p (Anytime, Any network)
* All Text’s are 7p
* You choose how much to set your monthly limit
* Will work in any existing T-Mobile or Unlocked handset

Although Dolphin Finance are said to guarantee approval for anyone applying for their SIM card, you should be aware that their SIM card does not come with any monthly inclusive calls and texts. If you do end up applying for their SIM card, remember to check carefully their calls and text charges.

Click to visit Dolphin Finance

Mobile Phones With Bad Credit
Get The Facts Before Applying

It is important that you are aware of the different types of mobile phone contracts available before you apply with any of the websites on this site. Understanding the difference between can help you avoid you being pay much more in line rental, calls and texts than you might need.There are two type of bad credit mobile packages available:

• Low Credit Score Approval Contracts
• No Credit Check Contracts

1). Low Credit Score Approval Contracts

Whenever you apply or a mobile phone contract, phone networks will automatically put your application through a standard credit check to access whether you are accepted or declined for a contract. It is important to note that each individual network has a different credit score approval rate – so even if you fail the credit check with one network, it is possible to be accepted elsewhere.

We are unaware of the exact credit score criteria of all of the phone networks in the UK, but we are aware that both T Mobile and 3 Mobile have a lower credit score approval rate and are more sympathetic and flexible when it comes to providing mobile phones to people with bad credit history. Other networks such as Orange and Vodafone are far more strict and have a higher credit score approval score.

We recommend that you apply for a phone with either T Mobile or 3 Mobile before considering the no credit check mobile phone contracts.

2). No Credit Check Contracts

As stated above, it is your own individual credit score which determines whether you are approved or declined for a mobile phone contract- so wouldn’t it be great if no credit checks were required in the first place?

In fact, there are now a handful of retailers who can provide you a contract phone without the need for you to pass any credit checks whatsoever. However, whilst this may sound very appealing, it is important you consider all other options before applying for a no credit check contract.

If you have a poor credit history and have tried applying for items such as like a credit card, loan or mortgage, you may have found that although you may be accepted, you have to pay a lot more compared to someone with a healthy credit rating. This is also true with mobile phone contracts.
Whilst they virtually guarantee acceptance, you will often pay a lot more in fees and charges when compared to ‘normal’ contracts from the likes of T Mobile and 3 Mobile.

Although you are virtually guaranteed for acceptance, you will find:

• You are charged higher monthly line rental fees, calls and texts, and usually have to pay an administration fee on application.
• You are tied into a longer contract period
• You have a more limited range of handsets to choose

Which is the best option for me?

Although no credit check contracts may sound appealing, the cheaper and better alternative is to apply with a network which has a low credit score approval rate first. If your credit rating is so severe that you are turned down by these networks, you should apply for a no credit check contract as a last resort.