It can be embarrassing to get turned down for a mobile phone because of a tarnished credit rating. Let us help you find the best mobile contract for your needs – even if you have a poor credit history.

This website is designed to show you the best providers of bad credit mobile phones in the UK to allow you to select a pay monthly contract that suits your needs.

Here you can find information on the best SIM card-only plans for anyone struggling with a tarnished financial history. SIM card-only plans allow you to work on a month-to-month contract which you can cancel at anytime.

These types of contracts have a much higher approval rate for people with bad credit. And they allow you to build up a positive credit history with the phone company of your choice. Pay your bills promptly and chances are your carrier will approve you for better mobile contracts in the future.

Bad Credit Mobile Phones

This site aims to help you find a mobile contract – which will help you improve your credit rating. By scoring a phone contract and then paying your bills on time, you can rebuild your credit history and show lenders that you are a good candidate for credit in the future.

No matter how bad your credit, that shouldn’t prevent you from being able to have a mobile phone. And by applying for a contract listed on our website, you can start on the road to repairing your credit history and ultimately get approved for the mobile contract you’ve always wanted.

Our inventory of mobile carrier contracts is specifically designed for those with bad credit. We list contract details, the rating and approval procedures for each one, as well as a photo of the carrier.

Discover 6 uk companies who offer bad credit mobile phones

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.

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

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.

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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The operating system – the Palm WebOS – was developed under the watch of Palm executive chairman and former Apple chief, Jon Rubenstein, who was one of the key executives responsible for the iPod.

Palm has been developing the operating system, which is set to rival Android, since 2007. The company was the pioneer of touch-screen phones with the Treo, but has been steadily losing share to the iPhone, RIM’s Blackberry, and other similar devices.

The new smartphone, the Pre, is a touch screen device with GPS, Wi-Fi and a slide out full keyboard. It currently runs on America’s CDMA phone network and is incompatible with European mobiles, but a 3G version that could go on sale in Europe is currently in development and will be released in the next few months, and will include the UK.

The Pre phone easily consolidates multiple communication services such as instant messaging, text messaging and social networks such as Facebook, and multiple email systems. It’s already being called the “iPhone killer” in some circles, but we’ll wait and see on that designation, if it becomes the case or not.

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The retailer has a total of 83 Virgin Mobile concessions in its 92 stores. A Virgin Mobile spokesman could not confirm whether the company’s remaining 270 staff will stay in their jobs if Zavvi fails to find a buyer (not likely at this point).

Zavvi’s administrators closed 22 Zavvi stores yesterday, of which five contained Virgin Mobile concession stores. The Virgin Mobile spokesman said the 11 staff in the stores have now been redeployed to Virgin media in various capacities.

Zavvi, which was formerly Virgin Megastore, was formed after a management buy-out of the Virgin Group division in 2007. It is (or was) the UK’s largest independent retailer, and it caps a series of months where another high street retailer, Woolworths, collapsed after almost 100 years in business. It hasn’t been pretty in the UK business scene of late, that’s for certain.

It is understood that Virgin tycoon Richard Branson still holds the lease on Zavvi’s Tottenham Court Road flagship site, as well as another five sites. Virgin said it does not intend to bring back Virgin Megastores and will sublet the sites to other retailers.

Looking for bad credit mobile phones?

Thankfully, phone networks are starting to become much more sympathetic towards people with bad credit history  and with a number of new retailers popping up on the internet, getting a mobile phone with bad credit is becoming easier all the time.

With the ongoing economic downturn and with an increasing number of people suffering from bad credit, mobile phone companies and networks are becoming far less condescending in their attitudes towards people with bad credit. Some may argue that mobile phone companies are becoming increasingly desperate to continue hitting sales targets and are now lowering their criteria for acceptance for their mobile phone contracts.

Visit our homepage for more information on bad credit mobile phones.