Contract mobile phones for people with bad credit

If you have a bad credit rating it can be difficult to get hold of a contract mobile phone. There is a company named The Utility Warehouse who can help. They require an upfront deposit of Â£10 on application, which is then returned to you on your first bill.

A bank account is required as well as 2 forms of address, but they are a good company for getting mobile phones with no credit check. They have a range of around 20 handsets and have excellent value tariffs which compare with the main phone networks such as Orange and O2.

The Utility Warehouse also offer fantastic value home telephone, broadband, gas and electric packages too. The savings you could make on these packages could realistically cover the cost of your phone bill!

It may be worth applying for a contract phone with one of the main networks if you have a valid credit or debit card. The worst case scenario is that they turn you down.

Try T Mobile first if you do decide to apply with one of the networks.

I have reviewed several online forums under the heading bad credit rating mobile phones, and found several instances of people with a poor credit rating obtaining a phone from them.

If you still fail to get a phone, then another option could be to ask someone to apply for a phone on your behalf. All you need to do is transfer the bill to come out of your bank account account via direct debit.
Be warned though, that the ‘signee’ is responsible for any debt and charges should you find it difficult to repay the monthly bill.

It’s a good idea to try and hang onto the phone once you managed to get one. The advantage being that you will be able to upgrade each time your contract comes to an end. You can often get a better deal just by asking as well.

I hope this has been a useful read for you, and it proves that bad credit rating mobile phones are out there, or a solution in place if you’re willing to go and look for it.