Phone Contracts for Customers with Bad Credit


Major carriers in the UK are less likely to approve phone contract applications when your credit history is less than perfect. A poor credit score is an indication of your creditworthiness. Naturally, a bad credit score means bad news for carriers. But this doesn’t mean you can’t avail a phone contract when you have bad credit. There are some things you can do to improve your chances for approval. Here are some tips you can try:

Choose a SIM only deal

If what you’re looking for is a cheaper rate for your phone services, you might want to consider applying for a SIM only deal. This type of deals is significantly cheaper because you won’t have to pay for any handset. You’ll only get a SIM card, which means that you need to get your own handset to enjoy the deal. This option is ideal if you already own a phone you don’t want to replace yet.

Pick a low cost handset

If you want a handset included in the plan and you want the monthly cost cheap then you need to choose a low cost phone. You’ll have to stay away from high end and latest phone releases for now. It would also help to choose a bundle plan with minimum phone service allowance. Keep your data plan low to further lower your monthly liability thereby increasing your chances to get approved for a contract phone. If you don’t know how to choose your handset, CNET has a comprehensive guideline to help you along.

Pay a higher upfront fee

Phone contract deals that offer the latest handsets generally require a high upfront fee. If you want to avail the latest model from your favorite brand then you should be ready to pay the upfront fee. Because you have a poor credit score to consider, you might want to offer your carrier to pay a higher upfront fee. Paying for majority of the phone’s cost when applying for a contract phone deal will help your approval chances.

Find a guarantor

For those who can’t afford to pay for the upfront fee, you have another option you can try. If you know someone who is willing to co-sign the contract deal with you, your carrier might reconsider your application. Just make sure that the guarantor is employed and has a good credit history. You can negotiate the deal with your carrier so you can avail the handset and bundle plan that you want.

Apply for a guaranteed mobile phone

If you want to guarantee approval for your phone contract plan, you can apply for guaranteed mobile phone deals. These deals are specific for customers with a bad credit history, which means approval rate is very high. Granted that you are eligible for the plan, approval is often instant. You can receive the phone within 24 to 48 hours and use it right away to make calls, send text message and browse online on your mobile phone.