The biggest worry for a person with bad credit applying for a mobile contract is getting approved. This can be the most stressful thing about applying for a mobile contract. Well with a few simple tips people with bad credit can increase there chance of being approved. These tips are not rocket science or hard to follow, we have wrote them in plain English so that you shouldn’t have any trouble following them and using them to help you with your application.
The first tip is to be realistic with the contract you are applying for no matter what type of contract or which network you are applying for. People with bad credit need to stick to a very strict budget and therefore should avoid going for contract that cost more than £30 a month. Contracts above this figure attract a greater levels of credit check which means you are less likely to be approved.
The second thing to consider is what you are looking for from a mobile contract. SIM only contracts have the best acceptance rates but do not provide you with a mobile phone. However they can be used to get accepted on a contract then if you keep your repayment in check the networks will be more willing to upgrade your contract at a later date. A lot of bad credit people are finding this to be the best way to get a mobile contract. A contract without a phone is not always the best option for everyone and if this is you then you need to consider carefully the phone you apply for. New phones and expensive phones have very low acceptance rates so you should always try to find a phone that suits your need and is at least a few months old.
The final tip is to apply to the mobile networks direct. The best mobile networks to apply with are Orange, Three Mobile and T-Mobile if you have bad credit and you can see which of these are offering the best acceptance rates and links to their application pages HERE. Applying direct keeps the admin cost of issuing a mobile contract down which mean acceptance rates remain high. People with bad credit should avoid applying with retailers as they have lower acceptance rates and often do not have the range of phones and offer that the networks have.
