If you have a bad credit rating, the chances are that you have been rejected for a mobile phone contract – possibly even more than once. Not only is this an embarrassment to some (don’t worry, it happens to the best of us), but the constant rejection can really get you down.
And let’s face it, all you want is a mobile phone that will allow you to chat with friends and family, be used for work purposes and just put you on par with most of the inhabitants of the United Kingdom. Unfortunately, those suffering from bad credit rating stand little chance of getting a new mobile on a contract, even though that rating might have been caused by circumstances way beyond their control.
Are you finally ready for some good news!
And there is good news! You may have heard about a no credit check mobile phone contract, but aren’t exactly sure how it works, or maybe just didn’t have enough information to make a decision on one. Well, that’s why we started this website. To help people like you out by providing you with information about such developments as no credit check mobile phones.
So how do they work?
Well, pretty much like any other contract deal actually. So in other words, you will sign up for a bundle (minutes, texts and data) and there is a handset attached to that specific bundle. So how is it different then you say? Well, you will be limited to the selection of handsets that you can choose from. This is solely as a result of your low credit rating. The thing is, fancy new handsets cost a lot of money, so allowing you to have access to a few budget smartphones or slightly older models of popular phones will help to keep costs down.
Another thing to note is that the bundle options are fairly limited and may not offer as many free minutes, texts and data as you would get on a regular contract. Lastly, the monthly fee may be a little higher than you would pay on a standard contract… if you could get one that is. Bear in mind no credit checks and not worrying about your credit score means you will have a phone in your back pocket along with a monthly contract – something you could never have wished for before, thanks to your financial situation.
Sounds great, who can apply?
Any citizen of the United Kingdom can apply, as long as they are 18 years old. You will be required to bring a few other documents when you apply. These differ from provider to provider but they generally include the following:
- Proof of identification
- Proof of income in the form of wage slips
- Proof of address
- Bank statements
Place an enquiry with the provider of the package as to which exact documents you will need. They can be very particular about this, so be sure to take them along to avoid delays in sorting out your contract.
Why go with a contract such as this?
Well, for starters, how else will you get a contract along with a handset with a poor credit record? This really is the only way. The real bonus here is that the handset is for free, although it might not be the latest on the market, it still is free. If you carefully select a bundle plan that suits your needs, you can also get a contract that is real value for money. For example, perhaps aim for a data heavy contract, especially if you like to use messenger apps or have access to free Wi-Fi.
Something that people often forget is that a no credit check phone contract is the perfect way to build up your credit rating. By paying the contract diligently each month, your credit rating score will begin to increase. In fact, once the contract is over, it will increase fairly significantly. This might allow you to be eligible for another regular contract, or if not, take out another no credit check phone contract and do the same thing again.
These contracts are also the perfect way for people without a credit history to start building one. Here, think of a student just starting university for the first time, or perhaps a couple that have just gotten married, but have no form of credit at all. By paying the contract on a monthly basis, they build a positive credit history which will open more credit options such as credit cards (only use in an emergency) or even a mortgage account.
All in all, if you are suffering from bad credit and you desperately want a mobile phone on contract, then this is one of the best options available to you. A word of advice, however, make sure you keep up with your payments. Never miss them, not even one!