Its not easy to get a good phone when you have bad credit. Nearly all providers preform a credit check, to determine how likely you are to make your monthly payments.
It is recommended that you provide a debit card as proof of identity and arrange for monthly pavements to be taken out of your bank account. Reportedly, you are seen as less of a risk to the provider with this arrangement. Also, there are a few providers are more likely to provide mobiles on credit for bad credit risks.
T-Mobile is considered to be the most friendly provider for those with bad credit. Choose the Pay Monthly Sim Only tariff for the best chance of success.
This plan is seen as lower risk for the provider. You may have to accept restriction for the first two months, however these will be removed. Orange is also considered a good option for securing a mobile on credit with bad credit.
Although approval is never guaranteed, they are more tolerant than many networks and offer a wide variety of options. Orange has very good coverage. 3 Mobile is the last recommended good bet. This rapidly growing company known to be the first to offer new technology. They are thought to take on any customers that they can in order to promote growth, therefore being more tolerant of credit problems.
Finally, what ever provider that you choose, apply directly on their website. Third party sites may have additional steps in the evaluation process and therefore be less likely to accept your application. When applying, avoid the expensive handsets as well as high monthly tariffs.
A lower value of your total monthly payment will improve your odds of approval. Sim only contacts always have the best chance of being approved, so if you want to get a mobile on credit for bad credit, choose this option.
