Many people know that if your credit isn’t very good, it can be extremely difficult to get ahold of a mobile phone on pay monthly contract.
Companies like AffordableMobiles.co.uk exist to assist with this issue.
A UK bank account is still required of course, but is an excellent way to get a contract mobile phone with poor credit score. The phones may not always be the very latest and shiniest versions, but tariffs are very comparable with most of the big phone networks out there right now.
If you happen to be in the interesting situation of having bad credit, but still possessing a credit card, it may be worth the time to apply for a cell phone the regular way. Yes, excessive inquiries can potentially lower your credit rating, but for the most part, the worst thing that can happen is that they turn you down.
We suggest trying Affordable Mobiles first if you choose this route, We’ve seen a number of instances where people with poor credit ended up getting a contract phone through this site, so it’s definitely worth your time.
If you still can’t get a phone, then you’re in the uneviable position of having someone try to apply and get the phone for you. You can always transfer the bank payment to come out of your account instead to avoid inconveniencing the friend/relative who is kind enough to do this for you. Of course, the only issue with this is, if you don’t pay the bill, it affects their financial standing and credit, so make sure you can follow through before exploring this option.
If you’re lucky enough to get a contract phone, hang onto it. It will allows you perks, a pretty much set rate, and the ability to upgrade down the road without having to pay too much, sometimes just by asking for an upgrade.
We hope this has been a useful read for you, and that it proves just because your credit is bad, doesn’t mean you can’t get a contract phone and reap all the benefits it has to offer.
Want a contract mobile phone and have poor credit?
Have bad credit and live in the UK? You certainly arent alone these days. Poor credit is seemingly a epidemic in the UK right now, and those with poor credit applying for a contract mobile phone traditionally have poor luck. But there are companies that exist for the sole reason of providing mobile phones to those in this situation.
It sounds idyllic: all you need is to be 18 years and have a job, and youíre almost guaranteed a contract mobile phone.
There are inherent disadvantages of these guaranteed mobile contracts, however, and it starts primarily with the price tag involved.
There are many companies all over the world that provide services, loans and financing to those with questionable credit histories. But all of them usually share a central disadvantage: higher cost. These companies are taking a greater risk with backing a customer with poor credit, so they make up for that with higher interest and fees for services. This is very much the same with mobile phone contracts.
With guaranteed mobile phone contracts, youíll find higher fees, limited phone selection, and longer contracts than a user with better credit. Itís part of the package, sadly.
These are all important factors if youíre watching your expenses, as many in the UK are these days. So are there any alternatives to this type of arrangement?
With the recent credit crunch, more mobile phone companies are being understanding about poor credit history, and are not being as picky about contracts being approved as they once were. So odds are youíll be able to get a traditional contract with having to resort to the guaranteed contract.
Click for bad credit mobile phones and mobiles for people with poor credit.
The question your asking yourself is can I get the iPhone if I have bad credit? The answer is not a simple one, sure you can try your best to get it but remember it is a £400-500 handset and one of the first pieces of advice when applying for a mobile phone with bad credit is opt for a mid range handset.
The iPhone is a nifty bit of kit but there are several lower end handsets that have nearly all the same functions which are cheaper and therefore have a better approval rate. The iPhone has stricter conditions than many handsets and you may struggle to get one if you have severe bad credit, however if you just have no credit history it may be worth a try as you have to start somewhere.
Alternatively apply for a sim only contract with Orange or Vodafone and get the iPhone in a few months once you have built up some loyalty.
In day to day life you will find many people suffering from bad credit and facing problems in getting mobile phones because of poor credit history.
Credit ratings of potential mobile phone owner is checked with a view to ensure that if you are having good payment history of timely payment to your lenders then phone companies do not have to undergo disputes in getting payment for their services.
As the number of people suffering from bad credit problems is increasing, there are now more choices than even when it comes about availing mobile phones in spite of bad credit history.
For getting good deal on mobile phones make online search, there are many online portals providing fabulous deals on mobile phones especially for those suffering from bad credit.
Click to compare the latest bad credit mobile phone deals
Many folk with a less than perfect credit rating are finding problems obtaining a pay monthly contract since it is their credit rating which comes under scrutiny when applying. However, there is still a chance of being able to obtain a contract phone even if you have bad credit history.
Compare providers of bad credit mobile phone contracts.
Mobile phones are everywhere these days. It seems everyone’s got one – from grandmothers to small children. They have become indispensable tools in our everyday lives.
Mobile phone plans are traditionally offered one of two ways: as a PAYG tarifft or a pay monthly contract. While pay-as-you-go plans can work out to cost more for a call than a contract, they are a good option for some people, such as children, if you want to keep your mobile charges under control.
Most people opt for a fixed-term contract since it can be cheaper in the long run. But these contracts can be tough to get. Many phone companies have tough requirements you must meet before they will approve you for a contract.
During the application process, the company will record your personal details and then run them through systems that give the company an idea of whether you’ll make a good customer. One of the systems they use is a credit check, which gives the company access to your credit history and allows them to decide whether you are a low-risk customer. If your credit score is too low, the network will likely reject you for a contract. And it’s equally likely that other carriers will do the same.
Bad Credit Mobile Phones
But this doesn’t mean your situation is hopeless. Some companies are willing to hand out contracts to people with bad credit. These are known as bad credit mobile phones. But be warned that you will often have to pay more since you represent a greater risk to the company as a customer. Because of this, you will have to take extra time to research the different mobile phone contracts available to people with bad credit. There are a lot of scams out there that are just waiting to charge exorbitant mobile phone rates to vulnerable customers struggling with their credit history.
Struggling to be approved for a contract because of bad credit?
Click here to discover 6 places in the UK who offer bad credit mobile phones.
In day to day life you will find many people suffering from bad credit and facing problems in getting mobile phones because of poor credit history.
Credit history of mobile phone owner is checked with a view to ensure that if you are having good payment history of timely payment to your lenders then phone companies do not have to undergo disputes in getting payment for their services.
As the number of people suffering from bad credit problems is increasing, there are now more choices than even when it comes about availing mobile phones in spite of bad credit history. He/she suffering from severe bad credit problems can avail pay monthly contracts for people with bad credit rating.
For getting good deal on mobile phones make online search, there are many online portals providing fabulous deals on mobile phones especially for those suffering from bad credit.
Click to compare bad credit mobile phone contracts
If you have a bad credit history, it can be difficult to find a provider who will allow you a mobile phone contract. All of the major networks now run a credit search before setting up a contract, and their terms are often strict. However, it is always worth asking.
T-Mobile, for example, offer a SIM-card only deal which costs around £15 per month. If you keep this account in good order for six months, they can upgrade you to a full contract with a one of the latest handsets. There are plenty of cases of people with a poor credit rating being allowed a contract mobile phone with one of the major providers; it all depends on an individual’s credit file and their particular areas of strength and weakness.
So do try, and networks such as T-Mobile and Orange have the best reputation for allowing contracts to those with poor credit. Regular searches on your credit file can actually damage your credit rating, so try these networks first and if they say no it is unlikely you will have any joy with the major providers.
If you do try these networks and still cannot obtain a contract, there are further options still. One to look at is a company called The Utility Warehouse. Utility Warehouse charge an upfront fee for the cost of your first calls, but this stipulation aside, their mobile phone contracts are available without a credit check. They don’t offer the very latest in mobile phones, but there is plenty to choose from and you should find something you like. The tariff is compatible with the major mobile phone networks. You will still need a UK bank account and a debit card to register with the Utility Warehouse and pay your bills, but they are an excellent option if a standard phone contract is not forthcoming.
If you do not have a UK bank account or debit card, the final option is asking a friend or family member with a good credit rating to obtain a contract on your behalf. You can use your bank account details to pay the direct debit, or set up an arrangement with them to meet the cost of the bill. While this is a useful option, use it carefully; should you default, it isn’t just your credit file you’re harming, and the repercussions of this on your relationship could be difficult.
If, with a poor credit rating, you do manage to obtain a mobile phone contract then it is well worth remaining with the provider. The longer the contract goes on, the better impact it will have on your credit file, as well as saving you the hassle of trying to find something new. At the end of each contract, you should be able to negotiate a new contract and a handset upgrade, and continue improving your credit as you do so.
You can go ahead and stop holding your breath now. Despite varied speculation hinting at a 12-megapixel cameraphone from Samsung rearing its head at Mobile World Congress, word on the street is that Samsung won’t be bringing any mega-megapixel cameraphones to Barcelona. Telecoms Korea cites “a source familiar with Samsung’s internal marketing plans” in their report that Samsung will be holding off on launching their 12-megapixel beast for just a bit longer.
Excerpt from:
If you’re hoping for a 12-megapixel Samsung cameraphone at MWC… don’t
It can be tough to get approved for a mobile phone contract if you have a bad credit history. But you can try a company like Utility Warehouse, which will likely charge you an upfront deposit of around £10 for your first calls. This can be a good option for someone who wants a contract but doesn’t want to undergo a credit check. You will need to have an account with a UK bank.
There are some drawbacks to such deals. You often won’t get the newest phones on the market. However, you can usually get rates that are similar to tariffs charged by the major mobile carriers. Utility Warehouse also allows you to bundle your mobile phone contract with inexpensive contracts for gas, electricity and home phone service. These savings can offset your mobile phone bill.
As long as you continue to have a credit card or debit card, despite your bad credit, you can still apply for contracts with all of the major mobile carriers. However, you might get rejected and that can negatively affect your already troubled credit score.
The best option for those with bad credit is Vodafone or Orange, through its online portal. Many customers struggling with their credit history have reported success with these networks.
If you have exhausted all of your options and still find yourself being turned down for a contract, your last resort is to ask a friend or relative to sign up on your behalf. You can do this by setting up a direct payment or debit to this person’s account each month for the amount of your bill. But be careful when choosing this option. The person who signs the contract is ultimately responsible for paying the charges. So if you rack up your phone bill, make sure you can pay it down. Otherwise it can affect the other person’s credit score too.
If you get lucky and manage to score a contract – keep it. As long as you stay in a contract you can continue to upgrade your phone to the latest models even after your contract expires. And you can often negotiate more competitive tariffs.
Hopefully this guide has helped you see that you can still find a mobile contract no matter how poor your credit. You just have to be persistent – and a little creative.
Discover where to get bad credit mobile phones
