Want a mobile phone contract with no credit check? As you will probably know, such deals do not unfortunately exist. At the moment all mobile networks and retailers will perform a credit check. This is because a pay monthly plan is like a credit agreement where you sign a contract to pay every month. As such the networks who aim to generate revenue will want to ensure that they get the money they are owed, especially since a free mobile phone is being given.
However, the the good news is that some credit checks are easier than other. Every network and every retailer is different, and they have different criteria when checking for suitable applicants. Whilst it is not possible to get a contract phone without credit check – you can get approved if you have adverse credit history. If anyone promises you anything or tried to guarantee you a deal, then it is likely to be misleading or if it is a genuine company they will probably put you in a worse position financially than simply buying a phone and topping up. From our last check, at the moment no such companies exist although there were a few a couple of years ago.
So you can still get a contract because all networks have different credit checking criteria.
Follow our tips now to get a contract mobile phone. It is recommended that you apply on the internet, and apply on the website of the network for the best chance of getting approved. Our research suggests that you are more likely to be approved like this than if you applied at a mobile phone shop on the high street.
Here is a review of the main networks below:
T-Mobile – Best network for acceptance - If you are looking for a the best chance of being approved, then we think a T-Mobile SIM only plan is the ideal choice. They are your best bet, because it seems that they are more sympathetic to poor credit applicants.
Vodafone – Vodafone is a good choice, and will consider those with a low credit score, although you are more likely to be accepted if you have an OK credit history. Again try a SIM Only deal for best acceptance rates and make sure you apply online.
O2 – O2 also consider those who have a adverse credit history and are more likely to accept you online than in-store. They are definitely worth considering if you want a great deal, and again they have better approval rates with their SIM Only offers.
Other tips are that you should have good address history and it helps if you are employed. Also being on the electoral roll also gives you a boost. It’s things like this which can make a difference.
We hope you have found this useful.
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