Many mobile phone providers offer mobile phone contracts for people with bad credit. In essence, people who have bad credit score find it fairly difficult to get contract phones. There are tens of thousands of people out there who cannot get mobile phones because of their adverse credit score. Fortunately, there are some mobile phone companies that offer mobile phones for people with poor credit. Some of these mobile phone companies require deposits because the companies have to be certain that the person who is being offered the contract phone is capable of making his or her payments on time every month during the entire length of the contract.
There are basically three kinds of mobile phone plans. These plans are pay monthly contract deals, SIM-only deals, and pay as you go deals. Many people get their phones on a contract, which means they have to pay a set fee every month. SIM-only deals come with SIM card only. If you are happy with your current mobile phone then this a great deal. Those people who want to be able to regulate how much they are spending, and who do not use mobile too often opt for this option. They buy a mobile phone upfront and they buy top-ups to make calls. There are numerous lending agencies that offer no credit check loans for people with bad credit. Similarly, some mobile companies have phones for people with bad credit too.
Bad credit makes it hard to apply for any forms of finance. If you have bad credit or no credit at all, it can ruin your chances to get a mobile phone contract. When you apply for a mobile contract phone, the first thing the mobile phone company would like to check is your credit score. If your credit score is low, or if you do not have any credit score at all your application will almost certainly be declined. Fortunately, there are some mobile companies who are willing to accommodate your needs in spite of your poor credit score. Here are a few ways you can get contract phones:
Apply directly to mobile network operators – Apply directly to the mobile network operators such as Vodafone, Orange, Three or Virgin instead of going through a third-party company or retailer. If your application gets rejected, these network operators must be able to find an alternative that will suit your need.
Apply for Cheaper Handsets – If your credit score is very poor, do not apply for expensive handsets. Cheap mobile phones can be considered contract phones for people with bad credit. You may well get a contract mobile phone if you apply for cheaper handsets in spite of having bad credit score or no credit at all.
Deposit – In some cases it is the best option for you to get mobile phone contracts for people with bad credit. Many people searching for mobile contracts are often required to make a deposit with the service provider they are interested in. The lower their credit score is the higher amount of deposit they need to pay. It is one of the best ways to get your much needed mobile contracts.
You can always improve your credit score or build your credit score from scratch. If you manage to get a contract phone or SIM-only deals even with a bad credit score, you can build your credit score over time by paying the monthly fee on time. Once the company finds that you are a responsible customer they will reassess your application for a better phone contract that comes with high-end handsets or units like iPhone. However, the first thing you could do now is apply for a contract phone through a reliable mobile phone company or a retailer. There are some reliable companies operating online and the off that can help to find you a suitable deal. It is a good idea to research your own options and apply through the right company.