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When applying for a mobile phone contract, network operators will require that you pass a credit check to make sure you can make repayments on time - but what if you are experiencing trouble with bad credit history?

There are not many UK companies which offer mobile phones on contracts specifically to people with bad credit, but that doesn’t say you can’t get a mobile phone on a contract with the main mobile phone networks.

Follow the tips below and get approved for a mobile phone contract today! – Even if you have bad credit history.

Don’t believe us? – read our testimonials which we receive everyday from satisfied customers!

Tip #1 - Apply Direct Online With T-Mobile, Orange and 3 Mobile

It’s no industry secret!applying online direct with the mobile phone networks can instantly get you accepted for a mobile phone on contract on a pay-monthly plan. High street retailers such as Carphone Warehouse, Phones4u, etc, all have a stringent credit check criteria. This is because they receive a commission from the network, so they cannot take any risks when signing customers that may not keep up their monthly repayments as they would not get paid their commission. This is why their credit check is harder and the reason why most people with lower than average credit will get rejected when going for a mobile phone on contract via a high street phone shop. Such companies are mainly suitable for people who are more likely to be accepted i.e. people with AAA+ or a "high credit score" (not people with a low credit score or "bad credit history!")

Not many consumers are aware that each mobile network operator also has a different credit checking criteria and that some networks are easier to be accepted for than others.

Out of the 6 UK networks, T-Mobile, Orange and 3 Mobile have the easiest credit checking criteria. But you must apply directly online - to be approved! It’s that simple.

Online credit checks are easier - If you go in store to any of the retailers, you are more likely to be rejected than online. So even if you were refused by T-Mobile or Orange in store, you can be accepted if you apply online with them direct!

Testimonials
See what everyone is saying about us!

"When I was a student, I damaged my credit rating, leaving me unable to obtain credit from anywhere let alone a mobile phone contract. I came across your site the other day and applied for a T-Mobile contract with a Free Sony Ericsson Xperia Neo V and have somehow been accepted! Thanks for breaking the cycle!"
Jocelynne Woollams, London

"Couldn’t believe it was as simple as applying direct with the networks online. My credit rating is very bad but I somehow got accepted for a HTC Desire S on a T-mobile contract even after being rejected in the T-mobile store. Excellent stuff!"
Andy Weir, Essex

"I love the easy 1-2-3 steps. I found it very walk through effective and your site made it very easy for me to understand and obtain a brand new Blackberry Curve 9360 on a T-mobile monthly plan! Thank you! I’m definitely going to be telling my friends, can’t believe it worked!"
Ken Li, Manchester

"Where do I begin?...I tried Phones4u, Carphone Warehouse, and other high street shops over the years such as the link, Mobile Phones Direct, etc but was always turned down. I almost gave up until I came across your site. I applied for a Blackberry Curve on a contract with T-mobile and to my surprise, I was accepted! Fantastic! Thanks very much!"
Claire Murray, Birmingham

“Wow, am I glad to have come across your site, can’t begin to thank you enough. I was paying over £90 a month on a Pay as you go tariff and now have a brand new handset with a huge text, minutes and data allowance for just £30 per month with T-Mobile, I'm saving a good £60 per month! Thank you very much!”
Angela, Watford

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Recommended: T-Mobile is the number one choice to go for since they accept many people, even those with bad credit! Do not consider your other options until you have tried T-Mobile You’re chances of being accepted for a mobile phone contract with T-Mobile are much improved if you apply direct. Apply for a low end mobile phone with a low end monthly tariff or simply click here to see the deals we have listed with T-Mobile that have excellent approval rates for people with bad credit. Apply Now and get your new contract mobile out on delivery to you today!

>>> Click Here to Visit T-Mobile Site <<<

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Recommended: Orange is a great second choice to T-Mobile since they accept many customers, even those who have a bad credit rating. There are some great deals to be found, and Orange remains a very popular network.

You are almost guaranteed a mobile phone contract with Orange if you apply direct. Apply for a low-end mobile phone with a low end monthly tariff or simply click here to see the deals we have with Orange that have 100% high approval rates for people with bad credit. Apply Now and get your bad credit mobile phone out on delivery to you today!

>>> Click Here to Visit Orange Site <<<

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Recommended: 3 Mobile have been consistently at the front of new mobile technology in the UK. As well as being the first 3G network in the country, they also launched the first video mobile network in 2003 and are continuing to grow from strength to strength.

In their attempts to establish themselves as a leading global network operator, they are very keen on taking on as many customers as possible – even those with bad credit history.

Similarly to T-Mobile, 3 do not openly advertise that they are more lenient in providing bad credit mobile phone contracts. This is so that they are not flooded with applications from people with adverse credit history, and also because of the stigma that this would give their brand!

You are almost guaranteed a mobile phone contract with 3 Mobile if you apply direct. Apply for a low-end mobile phone with a low end monthly tariff or simply click here to see the deals we have with 3 Mobile that have 100% high approval rates for people with bad credit. Apply Now and get your bad credit mobile out on delivery to you today!

>>> Click Here to Visit Three Site <<<

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Tip #2 - Avoid Applying for Expensive Handsets and High Monthly Tariffs

As mentioned in Tip # 1, we have highlighted the mobile phone deals suitable for people with bad credit. Not many people are aware that when you apply for a pay monthly contract, the credit checking criteria is based upon the value of the specific phone and monthly tariff plan you choose.

The more expensive the handset and the higher the monthly line rental cost, the tougher the credit check. Pay monthly mobile phone contracts work exactly like any other type of loan - the more you borrow, the harder it is to be approved.

IMPORTANT NOTE: Applying for a low-end free handset on a cheaper tariff virtually guarantees acceptance for a pay monthly contract. Do not apply for tariffs more than £30 per month as you will get declined!

Until you improve your credit rating, the chances of you getting an expensive handset like the Latest Apple iPhone 4S with a £46 a month contract is virtually impossible. So steer clear from these expensive combinations and other packages which include free gifts when making your choice.

To make it even easier for you - we have listed the current Top rated and best possible bad credit mobile phone deals with all the three recommended networks! Best in terms of highest grade of handsets available to those with bad credit.

You are almost guaranteed acceptance for any one of the mobile phone deals we have listed, and the handsets aren’t too bad either! In fact, you’ll be surprised to know they are some of the top selling handsets on the market today - Including smartphones, such as HTC, Blackberry and Sony Ericsson!

Simply go to the deals page, click the phone deal of your choice to be taken directly to the checkout page. Apply Now and get your bad credit mobile phone contract out on delivery to you today!

>>> Top Bad Credit Mobile Phone Deals <<<

Tip #3 - Consider SIM Card Only Contracts

Even Easier Credit Checks & Approval

More minutes, more texts than PAYG

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Because no handset is included with the contract, in the eyes of the network this makes you less of a 'risk' and therefore you are more likely to be approved for a contract. (as mentioned in Tip # 2)

Sim-only contracts come with better inclusive calls and text each month compared to standard contracts, and also come on a 30 day rolling contract instead of the usual 18 or 24 months. This means you can cancel after 30 days and are not bound to a minimum term contract.

Why do we recommend this as an option?

If you already have an existing handset that you’re using and are content with, but are on PAYG, then perhaps you should consider the SIM card only option. Sim-Only deals start from as little as £8 per month and can offer great value as opposed to PAYG tariffs and normal contract tariffs where a handset is offered!

Visit the Latest Sim-Only Deals with the 3 networks

T-Mobile SIM Only

Orange SIM Only

3 Mobile SIM Only

Get A Chip and PIN Debit Card For Your Application?

Prepaid Debit Cards With 100% Guaranteed Acceptance

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Many people with a bad credit rating tend to have basic bank accounts that come with cash cards such as Visa Electron. When applying or a mobile phone contract, you will need a Chip and Pin Debit Card! A good option is to apply for a prepaid credit card such as the Splash Plastic card. Prepaid cards work exactly like a normal credit card, except that you preload the card with your own funds instead. Just like Pay As You Go phones, you can top up the card and never worry about spending more than you can afford. Top ups can be made at any Post Office® branch or PayPoint outlet - over 34,000 locations throughout the UK.

You can spend without fear of debt or fraud at millions of retailers online or on the high street, you can even use it to withdraw cash from ATM's.

The Card costs just £5 and there is an annual maintenance fee of just £4.95 making the one of cost to get one at just £9.95 - not a bad price to pay to help you on your way to getting get a new guaranteed mobile phone contract with a brand new contract phone!

You can purchase your Splash Plastic Prepaid Chip and Pin Debit Card online today, simply click the link below to be taken to the Splash Plastic website where you can apply direct! There’s instant approval, you don’t even need a bank account and your new Splash Plastic Card will be with you within 3-5 days from application.

>>>Click Here to Visit Splash Plastic Site<<<

IMPORTANT NOTE: You need a CHIP and PIN Credit or Debit Card to get a Mobile Phone Contract, so if you don’t already have one – get the Spalsh Plastic Prepaid Card today without delay!