Bad Credit Mobile Phone Contract With No Credit Checks

How to get accepted for a contract mobile phone with bad credit or no credit

Bad credit mobile phones

Top tips to improve your credit report

Applying for a new mobile phone contract, credit card or even mortgage, there is no getting away from it your credit file plays a major part in weather or not your are accepted.

Our top tips could help your improve your score be it good bad or ugly and greatly increase your chances of being accepted for your new contract.

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1). Get a copy of your credit file
All lenders will look at your credit report even if it is just to check your identity. Check your details carefully to ensure they are correct, simple errors such as incorrect name or address even miss spellings can effect your chances of being accepted. To check your credit file you can use these online services Equifax or Experian (Credit Expert). You can also apply for your statutory report usually available for just £2 and a stamp. Apply for your statutory Experian credit report here or your Equifax one here.

2). Get on the electoral roll
Register to vote at your current address, lenders use the electoral roll as a form of identity check – this is proof you live where you say you do. While some networks will ask for alternate proof of address others could simply reject your application.

3). Consistent on time payments
Paying your bills on time and in full is of course a great way to improve your credit report – when this isn’t possible the worst thing you can do is burry your head in the sand. If you face difficulties with your bills you should sit down and work out an affordable payment plan (you must ensure you can stick to it) contact your creditors and explain your situation – you will be surprised how helpful they can be. Alternatively contact a debt advise service they can help you with payment plans and income and expenditure sheets – here are some listed on the government website: http://www.direct.gov.uk/en/MoneyTaxAndBenefits/ManagingDebt/PlanYourWayOutOfDebt/DG_187500

4). Get rid of any unused credit accounts
Lenders will not only look at how many credit accounts you already have and how much you owe but they will take into account how much you could borrow. Unused accounts will detract from this figure so closing them down will free up your credit.

5). Consolidation of outstanding debts
If you are able why not take a little time to identify which of your current credit accounts are costing you the most and see if consolidating them into one can save you money and reduce the number of active credit accounts you have and so help improve your credit score.

6). Hold your horses
Every time you apply for credit a lender will look at your credit report and a footprint is made. Think of it like a dirty great builder stomping all over your new cream carpet in muddy size 12 rigger boots! There is only so many builders your carpet can take. So keep the number of searches down by only applying for 3 credit accounts in any 6 month period.

7). Build up some good credit history
As stupid as it is more often than not people get turned down for credit simply because they haven’t had any or have had very little in the way of credit accounts before. Lenders like to see evidence to show you’re a responsible borrower, usually the only way around this is to apply for products designed for people with a less than perfect credit history.

Try applying for cheaper handset or failing that a SIM only contract We Recommend : Virgin Mobile, Vodafone & Three

8). Be careful of credit repair companies
Companies who claim they can remove / change data on your credit files often charge high fees and more often than not can’t deliver.

9). Check your report regularly
Always make sure the information on your report is accurate, if you spot any errors you will be able to inform the relevant lender straight away - for example if you were unwell and couldn’t make your payments on time as a result, you can add something called a Notice of Correction to your account. Potential lenders will be able to see this explanation – again, be prepared to provide proof.

10). Look out there’s identity fraud about!
As above checking your file often is the key, look for incorrect, unusual or suspicious entries – such as new accounts you didn’t apply contact the police, lender and credit reference agencies as soon as you spot anything suspicious.

Check your Exprian report now
Check your Equifax report now

In order of greatest acceptance rate here are the networks to try.

Vodafone offer: Very high acceptance rates for all

#1). Vodafone offer very good acceptance rates on low to mid range smartphones and require only a basic identity check for their SIM only contracts. As we have mentioned before SIM only contracts are great for building your credit and provided you keep your account in order they are a sure fire way to a free phone contract deal.
Click here to apply with Vodafone now

ID offer: Great Approvals On Phones & SIM Only Contracts

#2). ID offer a wide range of affordable tariffs on a good selection of handsets and SIM's they have an excellent approval rate for customers with a less than perfect credit history, as always be realistic about which handset you choose in order to stand the best chance of being accepted.
Click here to apply with ID Mobile now

BT offer: High Approval Rates On Phones For Poor Credit Scores

#3). BT Mobile is a newcomer in the mobile phone world recently buying out EE they run on the UK's biggest 4G network but of course BT needs no introduction! Apply for an affordable smartphone (avoid iPhone 7) to get approved. Got BT broadband? Even better, as an existing customer you get £5 off your monthly mobile phone plan!
Click here to apply with BT Mobile now

Virgin Mobile offer: The best acceptance rates on phones and SIMs

#4). Virgin Mobile have tariffs from as little as £5 per month with many free phone deals on all the latest handsets, 30 Day SIM Only have extremely high approvals. Virgin also offer unlimited web browsing from your mobile for just 30p a day!
Click here to apply with Virgin Mobile now

Tesco Mobile offer: Good acceptance on cheaper phones & tariffs

#5). Tesco offer a great range of affordable tariffs and superb deals on all the latest phones. They have a reasonable connection rate on pay monthly phones and offer very high acceptance rates on their pay monthly SIM's. Tesco also offer capped contracts to keep spending down and have great coverage.
Click here to apply with Tesco now

Three offer: Great Approvals On Phones For Credit Scores Of 350+

#6). Credit Score Of 350+ for Phone Deals Or Three Mobile offer SIM only contracts from just £10 per month. Three also have a range of reasonable tariffs and free phones from just £15 per month. Again you need to be realistic in your choices. (Read our full guide bellow)
Click here to apply with Three Mobile now

TalkTalk Very High Approval Rates & Affordable Tariffs

#7). TalkTalk offer very high approval rates combined with their cheap tariffs makes them perfect for customers with bad credit or no credit history. Incentives are available for existing TalkTalk broadband customers too.
Click here to apply with TalkTalk now

GiffGaff: No Credit Check SIM ONLY deals

#8). GiffGaff offer great SIM only deals that are not only good value for money they carry no credit check making them perfect for customers with bad credit or no credit history. With time they can also help rebuild your credit score leading you to a full phone contract.
Click here to apply with GiffGaff now

O2 offer: Clear & simple SIM only contracts with good acceptance rates

#9). O2 offer a great range of SIM only contracts, Simplicity offers Pay and Go, 30 day rolling and 12 month SIM only contracts, all have very high acceptance rates. O2 also reward their customers every 3 months with high street vouchers and other goodies.
Click here to apply with O2 now

EE offer: OK approval rates for SIM ONLY Contracts

#10). As the parent company of Orange and T-Mobile EE offer good acceptance rates for their SIM only contracts. As we have mentioned before SIM only contracts are great for building your credit and provided you keep your account in order they are a sure fire way to a free phone contract deal.
Click here to apply with EE now

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To find out what information is held about you on your credit file please visit one of these two credit reference agencies:
Equifax
Experian (Credit Expert).

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