How To Get A Mobile Phone Contract With Bad Credit History | Bad Credit Mobile Phones
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Bad Credit Mobile Phone Contracts
W
hen applying for a mobile phone contract, network operators will require that you pass a credit check to make sure you can make repayments on time - but what if you are experiencing trouble with bad credit history?
There are not many UK companies which offer pay monthly contracts specifically to people with bad credit, but that doesnt say you cant get a mobile with the main mobile networks.
Follow the tips below and increase your chances of being approved for a mobile phone contract if you have bad credit history.
Tip #1 - Apply Directly Online With 3 Mobile or Vodafone
Not many consumers are aware, that each mobile network operator has a different credit checking crieria and some networks are easier to be accepted for than others.While you may get declined at one company, you can easily get accepted by another.
Out of the 6 UK networks, it has been said that 3 Mobile and Vodafone have the easiest credit checking criteria.
You can vastly increase your chances of being approved by applying with a low-end handset and cheaper line rental tariff.
Click to visit Vodafone
Click to visit 3 Mobile
Applying directly with the mobile network operators rather than via third party retailers such as Phones4U and Carphone Warehouse is also beneficial. When applying directly at the networks website, they will often contact you to offer alternative packages should you fail their initial credit checks.
Tip #2 - Avoid Applying For Expensive Handsets And High Monthly Tariffs
Not many people are aware that when you apply for a pay monthly contract, the credit checking criteria is based upon the value of the specific phone and monthly tariff plan you choose.
The more expensive the handset and the higher the monthly line rental cost, the tougher the credit check. Pay monthly contracts work exactly like any other type of loan - the more more you borrow, the harder it is to be approved.
Until you improve your credit rating, the chances of you getting an expensive handset like the Apple iPhone with a contract of £45 a month is virtually impossible. So steer clear from these expensive combinations and other packages which include free gifts when making your choice.
The more expensive the handset and the higher the monthly line rental cost, the tougher the credit check. Pay monthly contracts work exactly like any other type of loan - the more more you borrow, the harder it is to be approved.
Applying for a low-end free handset on a cheaper tariff will greatly improve your chances of getting accepted for a pay monthly contract.
Until you improve your credit rating, the chances of you getting an expensive handset like the Apple iPhone with a contract of £45 a month is virtually impossible. So steer clear from these expensive combinations and other packages which include free gifts when making your choice.
Tip #3 - Consider SIM Card Only Contracts
Easier Credit Checks & Approval
SIM only contracts have a much easier credit scoring criteria since a handset is not supplied with the contract.SIM only contracts offer more minutes and texts than standard contracts and operate on short 30 day rolling contract.
If having applied for a cheap handset and tariff with Vodafone and 3 Mobile you are still declined, it is recommended you try again but with a SIM only contract.
After making regular repayments of your monthly bill, you will establish trust with the networks who will often allow you to upgrade to a free handset after a regular payment history is seen.
If you already have a handset you like, then SIM only contracts are worth considering.
- More minutes and texts than normal contracts
- 30 day rolling contract
- Keep your current phone number
- Use existing handset
Click to view Vodafone SIM only contracts
Click to view 3 Mobile SIM only contracts
Which Company Should I Apply With?
Each time you apply for a form of credit, the application will leave a 'footprint' of your on your credit report. It is said that the more applications you make and the more footprints you leave in a short space of time, the worse your credit rating will be.
Despite this, I would not worry about trying 3 Mobile and Vodafone before considering the SIM only option. In my opinion, if your credit rating is already quite poor, and you are struggling to get credit for a variety of items, then a few more footprints will not affect you too much in the grand scheme of things.
When you manage to get accepted at either of the networks, it may be wise to make sure you keep up with regular bill repayments to rebuild your credit rating.
Quick Poll
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Can You Get An iPhone With Bad Credit?
The iPhone is arguably the most coveted item in the mobile phone industry. With great features and a lot of free and awesome applications, this smart phone is one of the top choices for must-have accessories.
But for individuals with bad credit ratings, it is not easy to be approved for an iPhone. It is in the best interests of people with bad credit ratings to choose a mid-range model for a mobile phone when you are applying for a mobile phone contract.
A great solution for bad mobile phone credit ratings is to apply for a sim-only phone contract. Once you are approved for the mobile phone plan, it gets easier to upgrade plans.
At the end of the contract, you can freely choose whichever mobile phone model that best suits your style and your needs.
For the initial approval after having poor credit ratings, the best bet is for you to set your sights on mobile phone models that have been in the market for a while.
Realistically, applying for the latest mobile phone models does not give you a high probability of being approved for a mobile phone contract.
Need A Credit Card For Your Application?
Prepaid Credit Cards With 100% Guaranteed Acceptance
Many people with a bad credit rating tend to have basic bank accounts that come with cash cards such as Electron. When applying or a mobile phone contract, companies will rarely accept these types of cards, and a debit or credit card is usually required. A good option is to apply for a prepaid credit card such as Splash Plastic card.
Prepaid cards work exactly like a normal credit card, except that you preload the card with your own funds instead. Just like Pay As You Go phones, you can top up the card and never worry about spending more than you can afford.
You can spend without fear of debt or fraud at millions of retailers online or on the high street, you can even use it to withdraw cash from ATM's.
Since you are not actually borrowing any credit, prepaid credit cards have a guaranteed acceptance no matter what your credit rating is like. Prepaid credit cards are an ideal way to get your hands on a recognised card but without the need to pass any checks.
* No credit check or bank account required
* Use at over 25 million retail outlets and over 1 million ATMs worldwide, wherever you see the MasterCard acceptance mark
* Shop securely online, by phone or in store
* Top-up for FREE at 14,500 locations, including any UK Post Office® branch
Click to view Splash Plastic credit card the UK's first Maestro prepaid credit card.
Credit Check Tips
Understanding Your Credit Score
If you've ever been declined for such things like a mobile phone, loan or overdraft, you will know how frustrating it can be. This is especially true when all the lender will tell you, is that you have been declined and cannot tell you exactly why you were turned down.Although each lender has their own particular particular criteria, there are a number of common factors which can affect your score. These factors can result in your application ether being accepted or declined.
Being aware of these factors can help you improve the chance of getting the finance you require.
Get a free copy of your credit report here
1. Previous Bad Credit History
Previous history counts towards around 30% of your score. Things like County Court Judgements (CCJ's), defaults or missed/late payments will have a negative effect on your application.
These factors will remain on your file for 6 years, but things like defaults/late payments will diminish over time. If you have been making regular payments in the last year, then this will great help increase your credi t scoring.
2. Not Being Registered On The Electoral Roll
If you have not applied to be on the electoral roll at your current address, then there is a high chance you will be turned down for your application. The thinking behind this, is that you are not thinking of becoming a long term resident at the address and lenders are very wary of this.
3. At Current Address For Less Than 3 Years
Lenders prefer giving finance to people with continuity and if you have been at your address for 3 years or more, then your score will be considerably higher than if you recently moved to your current address.
Having a number of different addresses in the last 3 years will have a negative impact, and this is especially true if you are a tenant rather than a homeowner.
4. New Job
Having a stable and long term job is as important as living at your address for a number of years. Lenders obviously prefer people who have a steady employment record as they believe this will reduce the likeliness of you not being able to keep up with payments. If you have been at your job for a number of years, this will give a great boost to your score.
However, having two employers in the past 3 years is not all bad news. If you have changed jobs recently and have a higher salary than your previous employment, then this will not affect the check.
Lenders may require copies of your previous pay slips depending on the item you are applying for. If you need replacements, the following companies can help:
Payslipsp60
Replacement Payslips
Mr Bateman
5. Not Having A Bank Account
If you have been with your bank for a number of years, then your credit score will receive a massive boost. Unfortunately, if you have recently opened a new account, or even worse, if you have no bank account, then this will have a negative impact.
Claim Your Free Credit Report
Knowing what is on your credit report can be very useful whether you have bad credit history or not.The contents of your personal report can have a massive impact on whether or not you are given credit. Your credit rating may also affect the interest rate you are offered by lenders, which could lead to more costly borrowing.
You have the right to view the information contained in your credit report to make sure it is accurate. If errors are found, you are entitled to apply to have them corrected.
Get a FREE copy of your credit report here
You should check your credit report if:
-You are about to make a major credit application, such as for a loan, mortgage or car.
- You have denied for a credit card, loan, or other credit-based service.
- You want to check and guard against identity fraud.
- You are planning on getting out of credit and want to make the first steps to clearing your credit history and debts.
Third of Brits Risk Refusal Because Of Missed Mobile Phone Payments
It has been said that more than 1 in 3 people in the UK will face refusal for finance because of their mobile phone. This is according to research by the agency Checkmyfile.
Checkmyfile reported that after looking at 1000 consumer credit files, they found that 36.6% of consumers had mobile phone accounts with missed payments.
Barry Stamp of Checkmyfile.com, said he was shocked at just how many people had left themselves exposed to credit refusal in this way.
"Missed payments on mobile phone accounts are much more serious than most people realise..."
Read the full story here
Checkmyfile reported that after looking at 1000 consumer credit files, they found that 36.6% of consumers had mobile phone accounts with missed payments.
Barry Stamp of Checkmyfile.com, said he was shocked at just how many people had left themselves exposed to credit refusal in this way.
"Missed payments on mobile phone accounts are much more serious than most people realise..."
Read the full story here
Nokia N82 Released Early On PAYG Because Of Bad Credit History
Pay as you go mobile phone networks are regarded as the most cost effective way of running a mobile phone because there is no contract and no linerental charges although this is starting to change.
While it is unusual to see high specification handsets available on a pay as you go basis this has not prevented the new Nokia N82 from being released off contract in the UK.
The Nokia N82 is the latest addition to Nokia's premium N-Series of mobile phones and is available on O2 as well as pay as you go. It is expected that the N82 will also be released on other networks in the immediate future as new stock arrives in the UK and retailers are able to secure large numbers for connection to other operators. It is anticipated that this will give consumers plenty of options for owning this latest model high end mobile phone.
The criteria for credit used by UK mobile phone networks has left an increasing number of people unable to own a mobile phone on contract. This means that the only option they have is pay as you go or a Sim free phone. Phones without a Sim card are not connected to a particular network and this freedom means that you pay more for the handset.
You could be forgiven for believing that retailers are cashing in on these problems by making high end phones like the Nokia N82 available on pay as you go much earlier than has been the case. However, this could be a good thing for consumers with a poor credit rating as it increases their chances of owning a high end phone without the drawbacks attached to contract agreements.
Mobile Users 'Need To Be Aware' Of Tariffs
Research by moneysupermarket indicates that an estimated one in five (20 per cent) mobile users occasionally, if not all the time, have received a demand for payment on their phone which is more expensive than they had originally anticipated. Meanwhile, it was suggested that the mobile phone sector generates more than 8.45 billion pounds in revenue every year from consumers who are on an uncompetitive tariff.
Overall, it was revealed that the typical Briton receives 166 free voice minutes and 133 texts per month as a part of their mobile phone or top-up package deal. However, it was indicated that the average consumer uses 23 voice minutes and 23 texts above the inclusive amount they receive in their price plans, meaning that they are paying up to an extra 130 pounds per year.
Continue reading
Mika Declined For Mobile Phone Contract
It has been reported that the UK singer Mika, who has sold over 2 million copies of his album recently, was declined for a mobile phone contract.It seems that even wealthy popstars are not immune from being declined for mobile phones contracts.
Read the full story here
Our Mobile Phone Conversations Are Being Monitored!
An investigation carried out by www.people.co.uk, reveals that more than 800 organisations - from Whitehall departments to supermarkets - can check intimate details of our private lives.
For example, are you aware that details of every mobile call and text that we make are recorded and stored by phone companies for 12 months?
Mobile phones can also be used to track the movements of people. Even when the phone is switched off, mobile phone masts are still able to log the signals and this can be used to pinpoint exactly where you are or have been.
Continue reading
Refused a mobile phone because of bad credit? Try SIM only contracts
More minutes, more texts and easier approval
SIM only contracts are a great alternative if you have been refused a pay monthly mobile phone because of bad credit history.Because no handset is included with the contract, in the eyes of the network this makes you less of a 'risk' and therefore you are more likely to be approved for a contract.
SIm only contracts come with better inclusive calls and text each month compared to standard contracts, and also come on a 30 day rolling contract instead of the usual 12 or 18 months.
If you already have an existing handset then perhaps you should consider the SIM card only option?
Networks which offer SIM only
3 Mobile
Vodafone
The Evolution of the Mobile Phone
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Sycro
Nov 29, 2010 @ 6:39 am | delete
- Hey, great lense, i found a way to check up on my boyfriend with phone number scan, check it out.
Thanks
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corphis
Nov 24, 2010 @ 6:54 pm | delete
- Heh, enjoyed the embedded video at the end. thanks
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Jhangora
Nov 16, 2010 @ 5:19 pm | delete
- Really useful Lens. Thanx a lot for sharing it with the Squidoo community.
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SHARON
Oct 7, 2010 @ 5:44 am | delete
- i desperately need a new phone and don't have a bank account. HELP ME PLEASE !!!!!!!!!
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Abby55
Oct 6, 2010 @ 8:56 am | delete
- THAAAAAAAAAAAAANNNNNNNNNNNNNNNKKKKKKKKKKKKKKYYYYYYYYYYYYYYOOOOOOOOU SOO MUCH JUST COT A 9700 BLACKBERRY WHITE £30 PER MONTH ON VODAFONE FINNALLY I CAN IMPROVE MY CREDIT AFTER GETTING REFUSED EVERYWHERE I FOLLOWED THESE EASY STEP AND HEY PRESTO, VERY HAPPY
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Alan G
Sep 18, 2010 @ 7:29 am | delete
- I've just found out that virgin are using their own in house credit checking serivce & so are NOT sharing info good or bad with equifax or experian (at the moment) which if like me you are trying to rebuild credit rating after bankruptcy
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sarah
Aug 9, 2010 @ 12:45 pm | delete
- i tryed most companies and got refused i ave not long turned and shouldnt even have a bad credit rating because i havent had nothing like that in my life ! its so fustrating and i am on the electorial roll. please help!!
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Sam
Jul 10, 2010 @ 6:10 pm | delete
- Is it possible for me to get a contract phone being 18 years of age and not having a job? Getting money of the benfit scheme?
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Peter2002
May 30, 2010 @ 9:54 am | delete
- Help!! I have bad credit. Mobile phones are essential to me (I have two on pay as you go, but they're costing me a fortune!!)
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Junglepocket Feb 18, 2010 @ 7:06 am | delete
- Hi Yasmin, have you tried looking through your credit report to see if there is any errors you fix? Are you registered on the electroll poll?
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joe
May 1, 2010 @ 10:43 am | delete
- hi junglepocket i wanted to ask could i get a blackberry 8900 curve for £30-35 a month from vodafone as it is the only phoneshop near me ( please note i have bad credit history)
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karen mobiles
Nov 5, 2009 @ 4:13 pm | delete
- Agree with you 100%, well said. Recycling is a great way to use old mobiles.
http://www.mobilephones.name
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Yasmin
Oct 26, 2009 @ 9:09 pm | delete
- Ive tried everything, i cannot get anything anymore due to my bad credit rating!! please help me
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Ali
Apr 3, 2010 @ 1:09 pm | delete
- Hi i can help u
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superbookdepot
Oct 26, 2009 @ 4:27 am | delete
- Nice and very beautifully laid out lens. I would really appreciate it if you visit my Best History Books lens and put your views there. Hope you will take out some time to rate it too.
http://www.squidoo.com/history-best-sellings-books
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glen
Oct 5, 2009 @ 12:49 am | delete
- i like useing vodafone because my brother_inlaw has a vodafone
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don
Aug 25, 2009 @ 8:15 am | delete
- i have horendous credit score and got accepted onto 02
my friend has a good score and got refused
i dont understand the process they use
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jo
Aug 17, 2009 @ 5:11 pm | in reply to cassandra | delete
- Get a life you lying idiot
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davidp711
Jun 5, 2009 @ 11:02 pm | delete
- This is good stuff, great lens and great advice!
http://trustedcreditfix.info/index.html
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erin
May 17, 2009 @ 8:52 am | delete
- Vodafone accept visa electron for payment thats the only one i know off also t-mobile do as well but you need to call them during your checkout process if u hold a electron or solo card.
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John G
May 10, 2009 @ 3:15 pm | delete
- Bluephone no longer do contracts as the amount of people defaulting payments...
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cassandra
Apr 20, 2009 @ 4:33 pm | delete
- i don't think it fair for peoples who got kids that are sick like special need kids are mental kids are just sick kids need to buy a phone are get a credit check look likes to me we should get a phone free already activatede an a number i have a special need child and she is artistic but this companies give me the run around can you help me and on top of that my house got burn and i lost every thing except for me and my bay's lifes
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Jayne
Apr 15, 2009 @ 5:20 pm | delete
- I was released from bankruptcy 2 weeks ago and was accepted by Virgin mobile on as £8.50 a month tariff with a free good phone. Absolutely made up - my advice try them! Also, Next gave me an account. I don't think they credit checked but when I checked my credit report it was on there with satisfactory - I think this has helped no end.
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Seannaieex
Apr 14, 2009 @ 7:04 am | delete
- ive tried t mobile but using a pre paid card....but it says theres an error with the card...what sites except pre paid cards?
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daryl ebinum
Apr 9, 2009 @ 6:56 am | delete
- when i applied for three mobile they charged me £3 from my account then put it back into my account. and i was approved.
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london24
Feb 23, 2009 @ 7:05 am | in reply to princess t | delete
- there are some prepaid cards that offer a credit rebuilder option. they do this by making your monthly fee (£4.95) a 'loan' instead of a 'fee'. i am doing this following bankruptcy. not going to make a lot of difference at this point but it all helps in the long run! :)
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london24
Feb 23, 2009 @ 4:21 am | delete
- when stores do credit check thru debit/credit card, are you able to use your prepaid card for the check? i have prepaid master card and electron card. not sure if i can get a contract or not?
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Junglepocket Feb 9, 2009 @ 3:53 pm | in reply to jamest748 | delete
- Hi James, As far as Im aware they run a credit check on the person's who name is on the contract. Perhaps, your girlfriends credit rating isnt as high as she though it was? Or maybe there are errors on her file that she is unaware of. You can get a free copy of your credit report somewhere below on this page. Hope this helps.
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- I doubt if there is any place in the UK where you can get a contract phone without the need for a debit or credit card.
Visit http://www.squidoo.com/prepaid-debit-cards-uk for some prepaid debit cards with guaranteed acceptance
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Junglepocket Feb 9, 2009 @ 3:28 pm | in reply to princess t | delete
- Unfortunately, the answer is no.
Because you are not actually getting credit, but using the card with your own prepaid money, it does not affect your credit rating at all. Sorry!
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princess t
Feb 9, 2009 @ 5:18 am | delete
- do pre paid credit cards help towards repairing credit rating. or do they have no impact at all???
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gasman
Jan 30, 2009 @ 9:11 am | delete
- i have not got a debit or credit card . i got a savings bank account.can any one tell me how to get a contract phone online without using debit or credit cards
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jamest748
Jan 26, 2009 @ 5:41 am | delete
- Hey,
Was just reading up on this issue after I was rejected by O2 for the new iphone!
I don't have the best credit history but then my partner does and she was also refused after she aggreed to be my 'guarantor(?)' effectiveley, so here's my question...
When applying to O2 for the new iphone and they do the credit check, do they check the person who's name is on the account or the person who's name is on the direct debit? (As my parnter was the named person on the account and the money was going to come out of my bank).
Cheers in advance for any help.
James.
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- Paul, scroll down the page for more information on getting a prepaid Maestro card with guaranteed acceptance, or visit:
http://www.squidoo.com/prepaid-debit-cards-uk
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paul
Dec 16, 2008 @ 12:09 pm | delete
- hi can anyone help me. can you tell me who will take a halifax visa electron card for payement thanks
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Dan B
Dec 10, 2008 @ 1:58 pm | in reply to steve w | delete
- Don't go with that, since my Divorce I have a credit score of -7000000 (!) and Three took me on!
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tony
Nov 23, 2008 @ 5:20 pm | delete
- do you mean a sort code if you only have a savings account number on you card/statment just email me your bank and i will e-mail you the sort code
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sig_sue
Nov 16, 2008 @ 5:33 am | delete
- I have just applied to t-mobile online, unfortunately due to my bad credit was turned down for their flex contract but they called and have offered and I have gladly accepted their solo package which is sim only but for £20 a month get 500 minutes call time and unlimited texts, not sure what else I need from a phone really! The guy was lovely and said that after 6 months provided I pay my £20 on time every 30 days I can look into getting a contract phone as even if my credit rating still low they have proof of payments which they can base their next decision on. I am a happy bunny!!!!
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Richard Perry
Nov 13, 2008 @ 4:46 am | delete
- I have a bank account and can do debits but have no security number as it's just a normal bank account.
Help please
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steve w
Nov 12, 2008 @ 6:45 pm | delete
- Just a word of warning guys. 3 no longer accept people with bad credit. I work for one the largest mobile phone resellers in the uk and the largest connector of 3 mobile in the UK and they will only accept applications from people with a credit score of over 750/1000. If you are between 670-750 then you will be asked for a £150 deposit. Anything below that score then you have no hope im afraid. T-mobile will take a bit more of a risk but they have the backing of one of the largest telecommunications companies in the world (deutsche telecom) and can absorb any credit write-downs through subsidiaries within the same group.
Good luck guys hope the info helps
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GemGemz
Nov 10, 2008 @ 7:52 pm | delete
- hi ..what hope have i got of get phone, tried t mobile.. i have bank acc, debit card etc..
can anyone help ..thanks xx
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- T Mobile accept debit cards as well as credit cards.
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mo.c
Oct 26, 2008 @ 5:30 am | in reply to lisa y | delete
- well can i have your number babes xx
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Buzz
Oct 20, 2008 @ 8:50 am | delete
- Tried T Mobile but needs credit card details. I dont have a credit card, so couldnt process application further.
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lisa y
Oct 6, 2008 @ 12:33 pm | delete
- got a phone through t mobile thanks to this site
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Sep 18, 2008 @ 12:14 am | delete
- Nice lens.
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j
Sep 17, 2008 @ 8:54 pm | delete
- pesh
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steven jenkins
Sep 15, 2008 @ 9:10 am | delete
- i got a t-mobile phone and a free laptop with mobile broadband they are the best in the uk for mobile phone good promos on the network as well well done t-mobile and tthis website would not of even tryed them otherwise
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charlie
Sep 5, 2008 @ 11:18 am | delete
- how did u do it i cant get any
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PerryWilliams
Aug 28, 2008 @ 5:12 am | delete
- Hey!!! If i have loose my credit with any bank, then what will happen for the credit with rest of the banks? I will be defaulter for other banks also and i will not be offerd credit?
Please Reply
Perry Williams
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MJ
Aug 9, 2008 @ 7:17 pm | delete
- I got a phone with t mobile and was surpsied that they gave me a contract because of my bad credit history. But they did! Very useful information on this page thanks.
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jonny rutherford
Jul 29, 2008 @ 6:00 am | delete
- yeah i managed to get the solo tariff as well, but they give me unlimited texts as well as 500 mins for £20! sorry maria!
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James Mc
Jun 25, 2008 @ 11:45 am | delete
- Managed to get a contract trough bluephone cheers
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Jedi Princess
Jun 24, 2008 @ 12:41 am | delete
- Thanx
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maria k
Jun 20, 2008 @ 3:25 pm | delete
- got tmobile solo sim card i got 500 minutes cross network and unlimited text for 20 quid a month
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Aaron Witherspoon
Jun 19, 2008 @ 2:26 pm | delete
- managed to get a T mobile solo sim card. Didnt need to pay a deposit! Success! Cheers mate.
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harryfed
Jun 16, 2008 @ 4:19 am | delete
- Great lens with lots of useful information about bad credit history. If you need a credit card, then try chase credit card, the best credit card available today in the market! 5 stars to you..
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Darren B
Jun 13, 2008 @ 8:35 am | delete
- Great lense! Ive been turned down for a contract phone by about 4 different companies, but managed to get one with bluephone.co.uk. Thanks!
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Getting A Contract Phone With Bad Credit History
If you have bad credit, by now you have some idea how many problems it can cause in life - including making it difficult to get that ideal mobile phone plan. There are probably days when it feels like it's harder to get approved for a bad credit mobile phone contract than it is to buy a new house.That's not as crazy as it seems. Mobile networks are very choosy about the kind of customers they are willing to accept. They may even turn you down if you show any hit of having bad credit in the past.
The mobile industry is big business - in the realm of several billion pounds a year globally. Mobile networks enjoy huge profits, which they earn by limiting their customers to those who are almost guaranteed to pay their bills.
It may seem unfair, but mobile phones are not considered an essential item for most people. Many people still have a mobile phone merely because it's a convenient way to stay connected to friends, family and business associates in a society that is increasingly on the go. Ultimately, mobile phones are still considered a luxury, so there is little incentive for networks to accommodate customers who have credit problems.
And in most cases, mobile phones really are a luxury. We need our vehicles to travel - to go to work and earn a living, or to shuttle our children to and from school. Our cars are a necessity. So are our homes. Our mobile phones, on the other hand, aren't a necessity. Life can still go on without a mobile phone. While if you don't buy a house, you'll be out living on the street, if you don't buy a mobile phone, your life will probably continue as it always has.
From the perspective of the mobile networks, if they handed out contracts to anyone who wanted one, that could hurt their profit margin since some customers wouldn't pay their bills. So, instead they target the best customers - the ones who pay their bills on time and abide by their contract regulations. This ensures that mobile companies continue to enjoy massive profits.
So in reality, it's understandable why mobile companies might turn down someone with poor credit. They are simply ensuring that their business continues to thrive because it is based on customers with a reliable income and credit history. These customers are less likely to break their contracts early because of the steep penalties involved for doing so. So mobile networks win in both situations, and this doesn't really give them an incentive to change their ways.
And with mobile networks continuing to enjoy healthy profits, it's unlikely they are going to change their business model anytime soon.
Bad Credit Mobile Phone Contracts
Pay monthly contract for people with bad credit history
It seems everyone has a mobile phone nowadays. And if you don't have one, you're jealously eyeing your friend's phone. We live in a mobile society and so portable phones are a convenient way to stay in touch with those you need to reach at any time of the day.
Of all the different kinds of mobile rates and plans that exist, contract plans are usually the best. But just try getting one of those when you have bad credit. You may be hesitant to even apply for a mobile phone if your credit is in shambles. However, it's not impossible to score a mobile phone with bad credit. You just need to know where to look and open yourself up to other deals you never even knew existed.
The best way to search for a wide variety of bad credit contract phones is online. It's easy to shop around, look at different plans, compare rates and make a decision on your own time - not with a salesperson standing over your shoulder urging you to sign the deal they want you to have.
Check out the websites of the major mobile networks, such as Vodafone and Orange. You may be surprised by what you find.
When mobile networks check your credit score, they don't care why it's so low. No explanation will matter to them. They will simply refuse you service. This is why you should do as much research as you can of mobile deals online before you send in your application. Even people with terrible credit can manage to get approved for a mobile contract. Just take the time to read, research and compare all the deals you can find to decide on the best one for you.
Of all the different kinds of mobile rates and plans that exist, contract plans are usually the best. But just try getting one of those when you have bad credit. You may be hesitant to even apply for a mobile phone if your credit is in shambles. However, it's not impossible to score a mobile phone with bad credit. You just need to know where to look and open yourself up to other deals you never even knew existed.
The best way to search for a wide variety of bad credit contract phones is online. It's easy to shop around, look at different plans, compare rates and make a decision on your own time - not with a salesperson standing over your shoulder urging you to sign the deal they want you to have.
Check out the websites of the major mobile networks, such as Vodafone and Orange. You may be surprised by what you find.
When mobile networks check your credit score, they don't care why it's so low. No explanation will matter to them. They will simply refuse you service. This is why you should do as much research as you can of mobile deals online before you send in your application. Even people with terrible credit can manage to get approved for a mobile contract. Just take the time to read, research and compare all the deals you can find to decide on the best one for you.
by JonathanStone
JonathanStone
Hello world. This is my bio. I can edit it later!
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