Get Acquainted With Bad Credit Mobile Phones!

Why Are Credit Check Necessary When Getting A Mobile Phone Contract?

Credit report checks are a way for the mobile phone provider to establish whether you have any existing loans, neglected or overdue payments or some other financial difficulty. These days, getting anything if you have bad credit is very difficult, whether we are talking about buying a new house or a car, or something smaller, like getting a mobile phone contract.

Fortunately, no dictionary in the world defines hard as impossible. As such, you still have solid chance of acquiring a mobile phone contract even with bad credit. Of course, before you can do that, you should get a little better acquainted with such deals. That is exactly where this short article will hopefully be of use.

Many customers in the United Kingdom are suffering with bad credit problems. For the mobile phone industry this represents a unique problem. On one side almost everyone wants and needs a mobile phone, on the other side, so many people have poor credit rating.

Don't think that getting a monthly contract with bad credit is a piece of cake. You will still have to go through a credit check evaluation. Sure, there are providers that offer no credit check contracts for mobile phones, but they should be your last if any resort. The reason for this is that their schemes are often much more expensive in the end than what you can afford.

Here's a couple of tips that you can use in order to find a bad credit mobile phone contract that won't drain your finances and, of course to get you accepted easier:

Apply For A Cheaper Handset

Apply For A Cheaper Handset

If you look at the sum in your contract, most of it will come from the cost of the handset. This is why it is always a good idea to apply for a cheaper handset instead of a high-end one when getting a contract. Many providers will even offer you free handsets or at a significantly reduced price.

Apply For A SIM-Only Or PAYG Mobile Phone

Apply For A SIM-Only Or PAYG Mobile Phone

Both SIM-only and PAYG (Pay as You Go) plans are a good option for people who have bad credit but need a mobile phone. The first one allows you to get a SIM card without the handset for a rolling contract of between one and three months. The fact that there is no handset price included (you have to provide one yourself) means that these plans are much cheaper for the customer. The PAYG plan, on the other hand, frees you from paying monthly bills and are perfect for someone who wants to have control over his or her phone bill. Namely, with the PAYG, you have a limited amount of credit that you can spend. Once you reach that limit, you can no longer use any services from your mobile phone provider until you purchase more credit.

Find A Guarantor

Find A Guarantor

Perhaps[s if your credit rating won't allow you to get a contract, someone else's will. If you can find someone to be your guarantor (tell them what a great honour this is!), the provider will check their credit rating instead of yours. If they pass, so will you. Of course, this doesn't exemplify you from paying the mobile phone contract, as if you fail to do so, your guarantor will have to do it for you. Unless you are keen on losing a friend, you should pay your own bills.

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