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

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.