guaranteed mobile phone contracts

Guaranteed mobile phone contracts and no credit check mobile phone contracts

  • Mobile Phone Contracts
  • Bad Credit Mobile Phone Contracts
  • No Credit Check Mobile Phone Contracts

Bad Credit Guaranteed Mobile phone contracts with no Credit Check

If you have bad credit and want a brand new mobile phone on contract look no further. We offer tips and advice along with Guaranteed no credit check mobile phone contracts. You can choose the latest handsets like Samsung Galaxy and the latest iPhone X. You are guaranteed approval with our NO Credit check mobile phone contracts.

Guaranteed Acceptance Mobile phone Contract

Guaranteed Acceptance - No Credit check mobile phones, choose any handset, Bad Credit welcome, County Court Judgements, Defaults, Missed repayments - We guarantee you will be approved for a mobile phone contract here.

Sunshine Mobile - The No Credit Check mobile phone network

Guaranteed Acceptance - Latest mobiles including iPhone X, Samsung Galaxy and more. Sunsine Mobile is the UK's only No Credit Check Mobile Network offering consumers the latest Apple and Samsung handsets on contract without the requirement to pass a standard credit check. We offer all types of handsets from the latest iPhoneX to Samsung's Galaxy S8 and require nothing more than the applicant to signup online and choose his/her handset.

SKY Mobile

Sky mobile - Great deals and amazing benefits for Sky Customers and customers new to Sky. Sky will carry out a soft search to see if they can offer you a mobile phone contract (searches Equifax)

BT Mobile

BT Mobile offer Sim and PAYM deals. Enjoy deals such as 15GB of data per month with Unlimited Calls and Texts from £21 per month. BT Mobile also offer the latest handsets such as Apple iPhone and the latest Samsung mobiles. If you have poor credit, start with a Sim only deal for the best chance of getting a contract with BT. Once you have a sim deal, you can apply to upgrade after 2 months.

Three

If you don’t have a perfect Credit History, you can try 3. Three do like to see a payment history being built with them for people with a bad credit history, so consider a Sim only option, available from only £8 per month (12 month contract) or £14 on a one month minimum contract. Use and pay the bill for 3 months and then upgrade to a contract handset. We do have some happy customers who have applied and been successful for a Contract phone with Three. Three also sometimes ask customers to pay a deposit, the deposit is held for a set period of time, once the bills are paid on time, you will receive the deposit back. If you are really in need of a mobile not a sim only option, choose a mid range mobile, such as iPhone 5c for example, for a higher pass rate.

Virgin Mobile

Whether you’re looking for the latest and best mobile, a tariff without limits on calls and texts, loads of awesome extras or the great customer service you’d expect from Virgin Media, you’ll get it all with Virgin Mobile.

Plusnet Mobile

Plus Net mobile - NEW mobile phone network using the powerful 4G EE network. Currently, Sim only plans available, 30 day pay monthly sim contract.

o2 Mobiles

All mobile phone networks are different and O2 can Surprise at times by accepting customers who have had previous credit problems. We know this from first hand experience. For your best chances of success, choose a Sim only deal for a few months or a low value handset. That being said, We managed to get a brand new iPhone 6 Plus with previous Credit problems!

Vodafone

Vodafone Pay Monthly and Sim only deals. If you have bad credit try a Sim Only or Low end handset for the better chances of acceptance. Once you have paid your Sim Only contract for 3-6 months, you can apply for a handset (upgrade).

Three

If you don’t have a perfect Credit History, you can try 3. Three do like to see a payment history being built with them for people with a bad credit history, so consider a Sim only option, available from only £8 per month (12 month contract) or £14 on a one month minimum contract. Use and pay the bill for 3 months and then upgrade to a contract handset. We do have some happy customers who have applied and been successful for a Contract phone with Three. Three also sometimes ask customers to pay a deposit, the deposit is held for a set period of time, once the bills are paid on time, you will receive the deposit back. If you are really in need of a mobile not a sim only option, choose a mid range mobile, such as iPhone 5c for example, for a higher pass rate.

Sunshine Mobile

Guaranteed Acceptance - Latest mobiles including iPhone X, Samsung Galaxy and more. Sunsine Mobile is the UK's only No Credit Check Mobile Network offering consumers the latest Apple and Samsung handsets on contract without the requirement to pass a standard credit check. We offer all types of handsets from the latest iPhoneX to Samsung's Galaxy S8 and require nothing more than the applicant to signup online and choose his/her handset.

Vodafone

Vodafone Pay Monthly and Sim only deals. If you have bad credit try a Sim Only or Low end handset for the better chances of acceptance. Once you have paid your Sim Only contract for 3-6 months, you can apply for a handset (upgrade).

Guaranteed Acceptance Mobile Contract

Guaranteed Acceptance - CCJ's & Defaults Accepted, Get the latest Mobile phone handset with Guaranteed Acceptance today.

Sunshine Mobile

Guaranteed Acceptance - Latest mobiles including iPhone X, Samsung Galaxy and more. Sunsine Mobile is the UK's only No Credit Check Mobile Network offering consumers the latest Apple and Samsung handsets on contract without the requirement to pass a standard credit check. We offer all types of handsets from the latest iPhoneX to Samsung's Galaxy S8 and require nothing more than the applicant to signup online and choose his/her handset.

GUARANTEED MOBILE PHONE CONTRACTS. NO CREDIT CHECK!

Get your hands on a brand new Shiny Mobile phone or Smart Phone today.

Guaranteed mobile phone contracts, choose your new mobile phone today. Great for customers with a bad credit rating and those declined elsewhere.

Our Guaranteed mobile phone contracts mean you don’t have to worry about being declined as there are no credit checks.We also offer the latest Sim only contract deals and mobile phone offers from all of the leading UK mobile phone networks including Vodafone, O2, EE and Three!

Guaranteed Mobile phone contracts

A Bad Credit rating doesn’t mean you can’t get your hands on a brand new mobile phone We offer Guaranteed No Credit Check contracts

Guaranteed mobile phone contracts

If you have bad credit you might feel your only option is having a mobile phone with Pay As You Go sim card,

The good news is you can have the latest handset on a mobile phone contract with Guaranteed acceptance and no credit check!

We can help you get accepted for the mobile phone you want on contract.

A Guaranteed no Credit Check mobile phone contract is a solution if you have missed repayments in the past six years or made too many applications for credit in a short time.

You may of suffered with more serious credit problems like Being issued with a Default or a CCJ (County Court Judgement) .

You can still get a brand new mobile phone on contract.

How to Get accepted for mobile phone contracts with a bad credit rating

There is a secret way that you can get your self a mobile phone contract with the leading mobile phone networks in the UK like EE, Three, Vodafone and O2.

Apply for a Sim only 30 day contract – It’s a foot in the door

Pay monthly Contracts are usually 24 months minimum. However, Choosing a sim only deal on a 30 day rolling contract is the easiest way to get accepted for a mobile phone contract with a mobile phone network.

Passing a Credit Check and the Credit Scoring Policy by selecting a Sim only contract is pretty easy.

It’s by far the easier than selecting an expensive handset straight away.

Sim only contracts are  low risk for mobile phone networks, so they are prefect for customers with a poor credit rating.

Applying for a 30 day sim only contract

If you apply for a 30 day sim only contract and ensure you make your repayments on time every month you will  be able to show the mobile phone network you can manage your repayments well.

After 3 to 6 months, you just need to give the mobile phone network a call and ask to upgrade your sim only deal to a mobile phone contract.

Because you are now a customer you will have a better chance of getting a brand new contract

As you are now an existing customer, you will have a payment history with them.

This means that mobile phone network can now look at your repayment history with them rather than just looking at your Credit History.

In some cases you will notice the mobile phone network will not even carry out a further credit check.

This little secret appears to be working well for lot’s of our customers.

Paying by Direct Debit will ensure you don’t forget to make the monthly repayment

You just need to be sure that you set up a direct debit to make your repayments.

Mobile phone networks like Direct Debits as they feel more confident you won’t forget to pay your bill on time.

Ensure you pay your bill on time each month and you should find this little secret is a good way to getting your hands on your new mobile phone contract

But What happens if I can’t get a 30 day rolling sim contract?

sim only contracts for bad credit

Sometimes customers may not pass the Credit Check for a 30 day sim only contract.

This is pretty rare but can happen. Sometimes this happens because a customer already has a debt with the network.

Sometimes it may just be the mobile phone network cannot confirm your identity.

If you are unable to pass a Sim only contract you can try a different network or consider a mobile phone contract with no credit check.

Three and Vodafone are usually the easiest mobile phone networks to get accepted for on a Sim only contract.

In our own experience (with bad credit) We managed to get accepted for full contracts without the need of a sim only contract on O2 and EE.

Every customer is different and the Credit Scoring policies of mobile phone networks change daily, so sometimes EE may be easier to get accepted for where as the next day Three may be the easiest.

Mobile phone networks need customers

Mobile phone networks pay a lot of money for their networks and the only way they can make money and profit is by taking on new customers. All of the networks will take their fair share of customers with a less than perfect credit history.

Unlike Credit Card companies, Mobile phone networks need to take more risk as they need paying customers to survive and therefore it’s pretty common knowledge that they will accept customers with a bad credit rating

Building a relationship with the mobile network

guaranteed mobile phone contracts

Once you have proven yourself as a good customer you will find your internal rating with that network will improve. This means you will soon be able to take on additional lines, great if you want to take an additional contract for your Partner, Children or add a tablet to your account for example.

Usually after six months of being a Contract customer, the mobile phone network will be open to considering a new additional line.

Just be sure the new repayments are affordable, the last thing you want to do is build a good credit rating only to add further damage to it.

Mobile phone contracts can help rebuild or build a credit rating

Remember, your repayment history is going to be reported back to the UK credit reference agencies, so by keeping up with your repayments each month this is going to have a positive impact on your credit rating.

Mobile phone networks credit scoring

When you first apply to the mobile phone network for a new mobile phone contract they are going to use a method traditionally used by most Lenders called Credit Scoring.

When you apply they are going to look at the details you put in your application, they will then carry out several checks, Identity checks, Credit Reference checks and checks at the Uk fraud agencies.

Depending on what you have asked, the credit scoring system will say Yes or No.

High Value mobile phones are harder to get accepted for than lower value handsets

You may not realise this but the higher the value of the handset the harder it will be to get accepted for. This is because the mobile phone network are providing you with a handset which could cost nearly £1000 in advance.

If you have a bad credit rating then they may not be willing to take such a risk, so by ordering a lower value handset or a sim only contract you will find the acceptance rate easier than order a top of the range mobile phone.

Again, as we have said before, if you are wanting the latest Samsung Galaxy or iPhone, take out a sim only contract for a short period of time. It really does improve your chances of acceptance as your Internal Credit rating with the network will increase.

Bad Credit rating customers may be asked to pay a Deposit

One way some mobile phone networks work is by asking customers with a bad credit rating to pay a Deposit. This is an upfront sum of money you pay in advance, once you have paid this, the mobile phone will be dispatched to you.

Usually a deposit is held for 6 months and once you have made your payments on time each month for the period set by the mobile phone network this sum of money will be returned to you, either in a cheque or applied to your account.

Mobile phone debts

If you do take a mobile phone contract out and don’t keep up with the repayments the mobile phone network will report your missed repayments to the Credit reference agencies, this could damage your credit rating.

If you continue to miss repayments, the mobile phone networks are likely to pass your debt to a debt collection company.

So only take a mobile phone contract out if you are totally sure that you can afford the repayments.

Mobile phone contracts are a great way to build or rebuild your credit rating, but they can also damage one if you don’t keep up with repayments.

Also remember that most mobile phone contracts are now around 24 months long.

Mobile phone contracts with Loans

Some mobile phone networks are now changing the way they operate.

Mobile phone networks like O2, Sky and Tesco mobile will operate by offering the Mobile phone as a loan and the airtime as a credit agreement.

If you have a bad credit rating one of these deals are actually beneficial.

By reporting your mobile phone contract twice (one for the loan) and one for the airtime agreement you can actually benefit well for making two repayments each month.

The disadvantage however occurs should you miss a repayment. Missing a repayment to O2 on both the loan element and credit agreement will mean two missed repayment markers on your credit report over one.

So whilst the loan element is very good for the majority of people, if you do take such a deal it’s very important you don’t miss any repayments.

Upgrading Mobile phone contracts

Once you are accepted and run a mobile phone contract well you will be offered Upgrades and Early Upgrades. Once you get to this stage you will not need to worry about Credit checks as the majority of mobile phone networks will not carry out credit checks on mobile phone upgrades.

O2 and Virgin Mobile are sometimes known to carry out Credit Checks when applying for an upgrade. Vodafone and EE don’t currently credit check customers who upgrade their handset.

Of course in the future this may change, but EE and Vodafone are more happy to rely on their own internal credit rating rather than look into your credit report.

Choosing the right deal on pay monthly is very important

So now you know how you can get your hands on a mobile phone network with bad credit. The most important part now is choosing the right deal that suits you.

make sure you get enough minutes and texts along with the right Data package. Exceeding your allowances on a mobile phone contract is expensive and you don’t want to be getting high monthly bills.

Choosing the right deal at the start will ensure you know what your mobile phone package is going to cost.

That’s it, you can now get your new Mobile phone contract even with bad credit!

That’s all we have for you, you now know how you can get a brand new mobile phone contract with bad credit. You can choose to build your credit rating slowly with a network and a sim only package or you can choose a Guaranteed no credit check mobile phone contract. The choice is yours.

O2 Contracts

 

o2logo

O2 offer the Contract mobile phones, Smart Phones, Sim Only deals and Tablets at great value. Check out the latest offers available today from one of the Uk’s biggest mobile phone networks.

Vodafone Contracts

 

vdVodafone offer Pay Monthly Handsets, Sim Only deals and you can try the network for 30 days to ensure you get a good reliable signal at home.

Sunshine Mobile

Looking for a no Credit Check mobile phone contract? Sunshine mobile promises you the best deals without the hassle or worry of a credit check. Simply visit Sunshine mobile today and get your mobile phone contract.

Which Credit reference agency will the mobile phone networks check?

Before you apply for a contract pay monthly phone you may wish to know which credit reference agency the mobile phone network will check.

Below is a table (updated March 2018) which contains information based upon our own personal experience.

Please note, all of the mobile phone networks reported back to all of the credit reference agencies.

This information is purely about Which credit reference agencies mobile phone networks used to carry out their credit checks.

Mobile Network Credit Checked at
Vodafone Experian Only
Three Experian & Call Credit
Sky Mobile Equifax Only
Sunshine Mobile ** No Credit check **
Virgin Mobile Equifax Only
Plusnet Equifax Only

Why do Mobile phone Contracts get declined?

There are lot’s of reasons why you can be declined for a mobile phone contract, we have listed some here in the hope it will help you.

  1. Couldn’t confirm your ID. Usually applies to customers who are not on the Electoral Register, customers not registered will find it almost impossible to get accepted for any type of credit
  2. Previous Debts to the company. It’s true, sometimes networks will take you back on if you have had previous debts with them, however, this isn’t always the case. It may be that the network is not willing to take the risk
  3. Low Credit Score – There are a lot of factors to think about with a Low Credit Score. We have listed these below
  4. Too many applications for credit in a short time, it can look like desperation or even worse as possible fraud. Stop for a while, spread out future applications.
  5. CCJ’s – County Court Judgements are a negative indicator to lenders, it shows that things went very wrong in a previous credit agreement. Settled CCJ’s are better than Unsatisfied CCJ’s, but both are going to reduce your Credit Rating for 6 years from the date these were applied.
  6. Defaults – A little like CCJ’s, a Default will remain on your credit history for up to 6 years. These show you haven’t been able to always manage your credit, the more defaults and CCJ’s you have the less chance you will have of being accepted. The older the CCJS and DEFAULTS are the better, as they start to get older, they will have a little less effect. However, some companies may have a policy not to accept any customer with a Default or CCJ.
  7. Fraud – Make sure your details are not listed with CIFAS, the Uk’s fraud database. There are various reasons why you can be listed, but in most cases, anyone with a CIFAS marker is going to find it almost impossible to get accepted for Credit.
  8. Credit Score too low. They may not feel you can afford the extra expense. Maybe, you have a lot of debt (even if you are managing it) or maybe you have taken out a lot of new credit in the past few months. A low credit score isn’t always saying you have a Poor Credit Rating, it could just be that they feel you won’t be able to manage the payments easily.
  9. A mistake. Yes it happens, Maybe your DOB (date of birth) or Post Code or time at address was wrong. This will affect your application
  10. Debit Card – It will be checked along with the details you use for the monthly direct debit, did you provide the correct number and did your Debit card have a pound so they could run a validation check?
  11. Home Address – Can it be found? A new address sometimes causes issues when applying for credit. If you are living in a new Estate, call the network and make sure they can confirm the street name

Guaranteed mobile phone contracts – no credit check mobile phone contracts for customers with a bad credit rating

We help customers every day get the mobile phone contract they want even those with a bad a credit rating

We can still help you get accepted for the latest Smartphones like The new Samsung Galaxy, Apple iPhone and HTC handsets.

If you have a bad Credit rating, You already know how tricky it is being accepted for any line of Credit.

Credit4everyone can help. We can help you get your hands on a brand new top end mobile phone on Contract with mobile networks like  O2, 3 and Life Mobile.

We have helped customers with CCJ’s and Defaults get accepted for top end mobile phones like the iPhone 6 Plus and the latest iPad deals.

We even offer No Credit Check Contract phones and Guaranteed Acceptance contracts

Getting a mobile phone contract with bad credit

bad credit mobile phones

A lot of our visitors find us by searching Google for a a No Credit Mobile phone contract or searching Guaranteed Acceptance mobile phone contracts.

The good news is there is indeed companies who Specialise in offering Mobile Phone Contracts with No Credit Check great for customers who have been rejected for a contract elsewhere

A No credit check mobile phone contract is a great way to get your hands on the handset you want with inclusive calls, texts and data.

They may require you to take a Sim only deal or a lower end mobile phone for a few months, but this is just to see how you pay your bills.

Once you show them you can afford a contract they are going to offer you the handset you want!

Pay As You go has benefits but most people want a contract as these usually have a generous data allowance, plenty of calls and text messages and the latest handsets come without the upfront payment.

Choosing a No Credit mobile phone contract is ideal for customers with recent Defaults, Missed repayments, County Court Judgements and those with a Discharged bankruptcy on their credit report.

What to do if your application for a pay monthly contract is declined?

Firstly, let’s take a look at why your application could be rejected. Applications are credit scored.

The information you supply and information from  Credit Reference agencies and Fraud agencies will be used to decide if you can be accepted for a mobile phone contract.

Credit Scoring is designed to predict how you will manage your mobile phone contract payments.

Credit scoring will score information you supply, so Self Employed and Unemployed are scored lower than someone working Permanent full time for example.

Length of time at your Employer and even the role at your job is going to contribute to the score.

How long have you lived at your current address? The longer you live at your address the more stable you appear to any potential lenders.

Homeowners are also scored higher than Tenant

Information you provide however must be factual, saying you are a homeowner in an attempt to get accepted for a mobile phone contract is fraud, so don’t do it.

If you pass this side of the application, what information is the Credit Reference agencies saying about you?

How are you managing your finances elsewhere?

Are you appearing desperate by applying for lot’s of credit in a short period of time?

Are the Credit reference agencies saying good things about you but mentioning that you are pretty highly financially stretched?

All of the above will be looked into if you are applying for any form of credit, not just a pay monthly mobile phone contract.

Remember, if you are struggling to get accepted for a pay monthly contract and you can afford it, look at our Guaranteed Acceptance mobile phone contract offers or consider the Pay Monthly Sim only deal.

If you are happy to pay for the handset up front, you can enjoy some cracking deals on both pay monthly and pay as you go, Good luck!

Pay Monthly  Contract Phones Benefits 

 

  • Guaranteed Mobile contracts (when you choose our Guaranteed No Credit Check mobile phone)
  • Inclusive Texts, Minutes & Data
  • Build or rebuild your credit rating
  • Sim Only & Handset Contracts available
  • Great Deals on EE, O2, Virgin Mobile & life Mobile
  • Fast Next Day Delivery

Remember a Mobile Phone Contract can help improve your Credit rating…

Mobile Phones and Credit Agreements…

Mobile phone contracts are changing.

More mobile phone networks are now offering a Credit Agreement along side your mobile phone Contract.

Some Mobile Phone Companies are now splitting the cost of a handset into a credit agreement and charging for the airtime in a separate agreement.

This doesn’t make any difference to the monthly charge (well it does) once you have paid off the contract as your monthly repayments will automatically reduce.

It also means  that once you have paid of your handset you can either upgrade to a new handset or save money each month (as the credit agreement) would have been paid.

O2 Refresh and Virgin Mobile are both offering this option now.

O2 for example will report back two agreements to the Credit Reference Agencies, one for your Mobile Phone contract and one for a Loan (the cost of the mobile phone).

credit 4 everyone