mobile phone contract but poor credit rating

highlandmidget

i have a bad credit rating but would like to take out a contract but no major networks will allow me! im in full time employment. any ideas?

ged1980

if you have tried all major networks maybe best look for the best PAYG package

Oscar_The_Grouch

Try some of the other providers. Virgin piggyback the T-Mobile signal (watch out for the 30p a day charge for internet use on your phone if you don't get a package that includes free web) and Tesco piggyback O2. Their credit requirements may be lower.

Alternatively, follow the "improve your credit rating" advice on this site and try again in 6 months.

bingy_burge

2-3 years ago I was in the same position but I found a compnay saying they get contract phones for people with bad credit intek commuincations.

They got me on orange didnt get much choice of phone and it was dolphin 25 24mth take it or leave it but hey ho. I now have and iphone and another phone always pay on time and they are happy to add new handsets to my account.

parallax_20

Why do you need a contract? Is it something you can't cover using something like payg simplicity and a payg phone? Once you've had the sim for a while they may be a little more relaxed on their checks when you upgrade to a contact.

rogertyler

My advice is stop trying for a contract. Everytime you apply a search is registered on your credit file. Anyone searching your credit file will see that you have applied to all the networks in a small period of time. This will tell them one of two things - (1) you have been refused a contract by all the networks or (2) you are up to something sinister.

dvs

Try O2 simplicity (pay monthly). They have a lower credit scoring requirement as it's sim only. After six months, they will consider an upgrade if your account is in good order. As it's sim only, there is no phone.

To add to what people have said above, you shouldn't keep trying and you may need to wait six months before you try another network. Also, I checked with Tesco and they do a full credit search on sim only and contracts. They would offer a capped tariff which they described as 'a bit like pay as you go'.

aggi

adding to simplicity, orange have low checks, o2 tends to have still high demand on credit score, and you can upg after 3rd payment within right time scales