Contract Phones with No Credit Check
‘One can’t buy a phone contract without money’ is a common misunderstanding that most of the people have. Mobile network providers and mobile shops that offer mobile contracts only have one requirement. They will only check if you have a consistent means to pay monthly. In order to ensure nobody commits fraud, they access your credit history.
If you have missed a payment previously on your credit card or any bill, that will add to an unreliable source of income overall.
if you have a zero-hour contract, your chances of being approved for credit or taking out a mobile phone contract will be very less. This means that the more reliable your history is, the easier it is to get a phone contract.
Bad Credit Mobile Phone Contracts
Finding contract phones for bad credit is quite a task. The disappointment of being turned into a mobile phone contract can be devastating.
A good option for you will be to go for pay as you go phone.
Improving Bad Credit
If you have a bad credit history, don’t be disappointed as yet. There are a few ways in which you can improve your bad credit history.
Going through your credit report
To begin with, if you’ve never happened to come across your credit report (a detailed report of your credit history) and score then it is recommended that you check it. You can check it through any of the known credit reference agencies. If you are having doubts about paying the monthly fee for one, then try considering looking up for free credit reports. But, of course, free credit reports will have some limitations.
Through credit report, you get the basic idea of where your credit score is failing exactly. This gives you room to make improvements to it before you apply for your next mobile phone contract.
Go for a low-end mobile
You can also go for one of the low-end mobile phones available in the market. Low-end mobile phones are the ones that are only equipped with certain basic features.
They usually have:
- A display smaller than 4 inches
- No 4G compatibility
- 512 MB RAM
- No HD video capture
- The old versions of Android
Mobile phone network providers would never give a high-end newer model on a contract, so opt for as low as possible to increase your chances.
Apply for SIM-only contracts
SIM-only contracts are a far better option because there is no mobile phone involved. Phones constitute the larger part of the risk involved when applying for a mobile contract. Excluding the phone, a SIM-only contract automatically becomes more reliable.
You may happen to come across many companies that claim to provide mobile phone contracts with no credit check. Don’t get too excited and think wisely before applying.
At times, the phones that come with the mobile phone contracts with no credit check are outdated. Don’t expect a smartphone unless assured. Such deals normally offer heavy build mobile phones that are brand new.
Networks with Higher Acceptance Rates
Although there is never 100% guarantee for acceptance, certain networks do have a higher acceptance rate.
MoneySite provides you the two networks with higher acceptance rate in amazingly reasonable deals.