Compare providers of bad credit mobile phone contracts.

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.

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

Forget about catching on fire, this particular mobile phone battery actually exploded with enough force to sever some apparently vital (as opossed to those non-vital arteries…) arteries in a Chinese man’s chest. Chinese-language site Hexun is reporting that witnesses heard a sudden, loud “bang” and then saw the man fall to the floor. Sadly, the exploding mobile phone battery resulted in an untimely end for the poor guy, who was just out shopping at a Lenovo ( OTCPK: LNVGY ) store. China seems to be a hotbed for phone mishaps that involve batteries and some sort of combustion

Read more:
Cellphone battery explodes Chinese man’s chest!

Looking for mobile phones with bad credit?

The BlackBerry Pearl 8120 in indigo marks a shift away from a focus on the business market for RIM. The handset will be available on prepay for £145 and will be marketed with an Orange £5 monthly internet add-on.

The phone will promoted to the youth market with easy access to internet sites such as the Facebook, Myspace, Flikr and windows live messaging.

Pippa Dunn, director of pay as you go, Orange UK said: ‘With nearly two thirds of UK mobile customers now using pay as you go, we are really pleased to be bringing one of the most popular email and multimedia devices to the masses as the first operator to offer BlackBerry on pay as you go in the UK .’

Features include a 2 megapixel camera with LED flash, Bluetooth, Wi-Fi and media player. The handset will be available in early February.

Orange is selling both the pink and silver versions of the LG Cookie for £99.99 on prepay and free on a 24-month contract at £15 per month. The LG Cookie has been incredibly popular since it went on-sale in November last year. In fact Carphone Warehouse claimed in the run up to Christmas they were selling around 20,000 LG Cookie’s a week.

Both the pink and silver LG Cookie can be purchased from Orange stores and Orange’s online shop.

Looking for bad credit mobile phones?

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

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