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It is a constant struggle for UK residents to get a phone contract because of poor credit scores. A rough financial period and accumulation of debts on the credit report are recorded by the credit reference agencies. Due to this many UK residents are not entertained by the network providers. They either reject their application for a contract phone or ask for a very high deposit.
If the circumstances have fallen outside of your control then getting no deposit mobile phones could be challenging. Mobiles are essential and no one wants to miss important phone calls. It is a necessity for executing some demanding jobs as well. Do not worry if your credit score is low because you can get mobile phones with bad credit phone contracts online and you may be surprised to get good deals.
Your hope of getting a new phone contract can be fulfilled if you keep the following tips in mind to choose contract mobile phones for bad credit and it doesn’t matter whether you want to buy an expensive phone or seeking something at a low price. It is possible but then there are a few things which you need to take care of and you can get a good deal. You can even compare the deals and choose the one that suits you in spite of bad credit. So here are the tips:
- Compare the phones to choose the best: When you are looking for contract phones online try to find a handset that can be accepted. If the phone is expensive, chances of refusal can be more so you need to sacrifice very expensive devices and look for a phone set that reduces your risk to the phone company.
- Pay an upfront deposit: If you need an expensive phone then you should be able to pay a high deposit and you can get the deal. This will lower the risk of the phone company and it is like protecting from defaulting. Paying a deposit improves your chances of getting mobile phones on contract bad credit without any issue.
- Buy a mobile phone outright and think about the SIM-only deal: SIM only is one way to rebuild your credit and hence the acceptance rate becomes high as well. For a SIM-only deal, you will have to buy the mobile phone outright and this is not possible for many customers who have bad credit. If you can do it then well and good and it will help you start rebuilding your credit.
- Do not apply for contract phones again and again: Remember that whenever a network rejects your application it is recorded on the credit report. Always check the policies of different network providers and you will see some of them are lenient in their policies. Do not apply again and again if the application is rejected.
Are there no credit check phones for those who have low scores and do not want to pay a deposit?
If you cannot afford a credit check then look for no credit check phones.
Yes, there are many companies online who offer contract phones no credit check no deposit policy. They welcome all types of scores and do not ask for an upfront deposit as well. Well, these companies are there to help people like you to get a phone and their monthly plans are also very flexible. You enjoy unlimited data, unlimited calling and texts, etc.
Why are the companies not doing a credit check?
The companies are not doing a credit check because credit score assessment is not the only method for choosing their customers. They can offer a little relaxation in credit check rules and therefore many mobile phone companies have benefited from this option. They earned immense profit. Those customers who do not have a good credit rating are given phone contract bad credit deals. Though there are few limitations to it and one may not get the facility of MMS and international calling.
Why avoid a credit check when going for a contract phone?
You already know your credit score is low so most of the network providers who have strict policies will reject your application. This shows on the credit report and when you apply for a contract phone again, it makes the network providers think that you have been already rejected for a contract phone by previous phone companies. In most of the cases, you will not get approval. So, why put any more bad remarks on your credit report? It is better to avoid a credit check and look for contract phones online where companies do not run a credit check.
What do the companies ask for instead of doing a credit check?
Lastly, the phone company will ask you whether you are registered under the electoral roll or not, and secondly, they would ask for a bank account. You have to submit the address proof and there are a few companies who will not ask for a deposit if you plan to purchase an expensive phone, but you need to look for these companies online and maybe you can get lucky.Conclusion: These are some basic tips that can help you choose a mobile phone contract with bad credit. Still, if you think your credit score is too low and you cannot afford to pay a deposit then look for mobile phones with bad credit phone contracts online that welcome all types of credit scores and have simple terms for issuing a contract phone. Hence, you can also avoid a credit check if you are able to find such companies. It will be best to avoid a credit check because most of the providers will turn down your application because of a bad credit rating. So, choose wisely, compare the deals and you can get what you want.
December 18, 2020
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