What Is a bad credit mobile contract?
A bad credit contract is just he same as any other contract out their accept for the way you apply for it. Unlike people with out bad credit customer who don’t have the best credit are very limited about what and where they can apply for a mobile contract. A person with bad credit is often limited by the type of handset they can apply for, the monthly cost of the contract they apply for and they are also limited by the networks that will accept them as a customer. To find out what limitation may be palace on your mobile application if you have bad credit see our bad credit mobile contract page HERE.
What mobile contracts have the highest acceptance rates?
If you are looking for a mobile contract that has the best acceptance rate then you should consider a SIM only contract. SIM only contracts have a great acceptance rate as well as providing some of the best value for money to the user. Other benefits that a SIM only contract provides are, they act as a gate way in to owning a contract allowing people with bad credit, no credit or poor credit build there credit with a chosen network before they apply for a full mobile contract.
However if you require a mobile phone and not just a SIM card then you should consider low cost phones that have been out for a while. As a rule the older and cheaper the phone the higher the acceptance rate will be.
Which networks have the highest acceptance rates?
The networks that have the best acceptance rates for people with bad credit are T-Mobile, Orange and Three Mobile. For this reason these are the only networks we promote our user to use. If you have bad credit an what a mobile contract but also want to go with a different network than listed above we would suggest re-thinking. With T-Mobile, Orange and Three Mobile your chance are much greater and you will be able to get a much better deal.
Why does applying direct with a mobile network increase your acceptance rate?
Applying direct with these mobile companies rather than going through a retail company such as Phones4U or Carphone warehouse means that you cost the network less money to approve you. When you apply for a mobile contract through a retailer the network has to pay them money which is added to the cost of your contract. If you have bad credit and you do this that additional cost could tip you over what level of credit you will get approved on. For this reason you should keep the cost down and apply direct with the networks themselves.
Can you get an bad credit iPhone contract?
Bad credit customers can get an iPhone contract. However its not always the the easiest of contract to get approved on. If you are set on applying for an iPhone contract with bad credit then you should follow our bad credit iPhone 4S guide. On there you will find help and tips when applying for an iPhone contract regardless of the model and it can be found HERE.
Are SIM only deals really the best option for people with bad credit?
For people with bad credit, poor credit or no credit history SIM only contracts are the best option for you. SIM only contracts have a great track record with approval rates and are set to stay that way as they are very low risk for the networks to issue. This is because the contract does not have to protect the cost of an expensive hand set. You can also get a SIM only deal on a rolling month contract where you renew the contract every month. By doing this you can build your credit up with a network before you upgrade to contract which gives you the option of a phone with it. A lot of people use SIM only contracts as stepping stones on to applying for a full mobile contract later on.
Will i be credit check for a mobile contract?
All mobile contracts that are taken out in the UK have to be credit checked. If you are worried about being credit checked then you should check your credit report and then you can see what level of credit you are likely to be approved on. You can check your credit rating for free using a number of website online.
Can i get a guaranteed mobile contract?
No contract that you apply for is guaranteed to be approved but don’t be disheartened if you do get reject it is not the end of the world. If you have been recently rejected for a mobile contract you should take a look at our guide to getting approve on a mobile contract. This will give you some guidance of where you may have gone wrong in your application and start you on the right track. Please note that you should leave about 2-4 weeks before reapplying for any contract.
