As a mobile phone comparison website our biggest query from consumers who get in touch is about them being refused for a mobile phone contract due to bad credit. In fact all the latest figures show that many of us are being rejected and are finding it difficult to be guaranteed a mobile phone contract. This is causing a problem for many consumers so we thought that it should be addressed!
There is a solution. We would always recommend that you work on improving your credit report. However this is not always possible and can take years.
First thing’s first, check your credit report out. There are companies like Experian and Equifax which will let you take a look at your credit history and see where you may have gone wrong and give you suggestions on how you can improve it. They normally offer free trial so do check them out.
The best tips to get accepted are, that you should always apply online as it seems to be easier. Networks normally have different departments which look after their websites, and they seem to be more relaxed about the credit score required to pass. You should also apply directly with a network, as opposed to going through other retailers (such as the many we feature on this site), as networks are the ones who decide eventually decide whether you will pass and it looks as though they are not as strict when you apply with them direct.
You should also try and opt for a reasonable handset and affordable tariff as it’s easier to get a plan which is less expensive. We would suggest that you avoid the latest mobiles as these are not considered to be bad credit mobile phones since they are very pricey. Go for something a little cheaper or older.
Lastly, consider going for a SIM Only contract for the best chance of approval and to build your credit history. As no handset is provided, any customer is automatically seen as less of a risk when it comes to payments. This can mean that those who would otherwise be refused a contract can actually get a SIM Only plan.
Finally, make sure you are on the electoral roll as that can make all the difference. Having a good address history (more than 3 years) and being in employment are also factors that really help.
These tips on our website have been discussed around the web, and are based on personal experiences as well as feedback from others. We must stress that there is no such this a no credit check mobile phone contract, so avoid anyone that promises you this. The advice above will help you if you have poor credit however.