Having bad credit can make it next to impossible to get a mobile phone. Your credit rating is one the primary factors carriers use when trying to decide if you are reliable enough for one of their contracts. Just because you have bad credit though, does not mean you can't get a mobile. Below are some simple tips you can use you get a mobile phone, which should help you in your search.
The first thing to do is pretty simple – make sure you are registered on the electoral roll. A lot of people just assume they are registered, but don't bother to check. The reason it is important to be enrolled is that when you apply for credit, agencies use the information on the electoral roll to validate your information. If you are already registered, the next step is to check your credit report. Make sure that it is accurate and up to date. Even credit agencies can get things wrong, so making sure your credit rating is accurate is the first step.
Now that you know your credit score is accurate, you can start looking for a deal. Remember that when you have bad credit, your options will be somewhat limited. Take what you can get for now and work on building your credit score back up. To increase your chances of getting a contract, choose cheap handset with a low monthly tariff. The more expensive of a plan you choose, the less likely it is that you'll be approved. Getting a no frills handset and a cheap monthly plan is the best way to go.
If you are still having trouble getting approved even on a very basic plan, you might have to go for something even simpler. This is where Sim Only contracts and No Credit Check mobile phones come in. Sim Only contracts are very cheap, but don't come with a phone. You have to supply your own handset, but you can save a lot of money. You can find a phone cheap online, or use one you already have. Meanwhile, companies such as phonesforall.co.ukphonesforall.co.uk offer bad credit mobile phones, intended mainly for individuals who are having difficulty in obtaining regular contracts. These deals are typically more expensive, but they have less stringent credit checks. If your credit score is very low, but you have the money to pay for it, this might be a good idea to consider.
Lastly, if all of the above options have failed, you can consider asking a friend for help. If you have a friend or family member that trusts you, you can ask them to sign up for the mobile contract in their name. Then each month you can simply deposit your money into their bank account to pay for it. Just make sure you can pay for your contract, as you don't want your friend to be on the hook for it. That's a bad way to hurt a good relationship.
Hopefully with these tips you will be able to get a mobile contract with poor credit. There are plenty of options for you, you just have to look around. The biggest part is accepting that you might have to settle, and to set your expectations a little lower. With some persistence and a little luck, you should be able to find a mobile contract that works for you.