Mobile phone contract??

leftatthelights

Hi all,

I just wondered what my chances of obtaining a mobile phone contract would be?

I am a year from being discharged (early) from BR, have a Vanquis card (who have just increased my limit), a cashplus creditbuilder card which has been running for almost a year now and also applied and was succesful for a Very account (which I immediately closed). I opened the catalogue account just purely out of curiosity as to whether I would be accepted.
I have also just finished paying off a small loan I obtained just after christmas (obtained with a guarantor of course) which will go down as a settled and satisfied loan of my credit file.:)
I am on the electoral roll and my credit files have been cleaned up to show all accurate information.

Can anyone shed any light on what my chances may be?

I mean, would a rolling monthly contract from say "o2" be more likely to be accepted as opposed to a 12 or 24 month "proper" contract??

Thanks.

philnicandamy

30 day rolling sim you'll probably get...

Tmobile & three have been known to help with contracts...

I started with a virgin PAYG sim after a couple of months they offered a full upgrade to a contract (so now i've a few months left before it ends so i'll see what they offer if I stay)

NekoZombie

A toughie - you might be o.k. I applied to 3 (who I already have one phone with and never defaulted the account) a few years after my bankruptcy and it was declined. I was very suprised, especially given that I already had one accoutn with them and it had been run perfectly. I tried Tesco Mobile (o2) a few days ago and managed to get a 12 month contract with them. Might be worth a try...

dojoman

It seems to be very hit and miss unfortunately, I managed to get a monthly contract with an HTC Desire one month after discharge.

leftatthelights

Hi guys,

Is a rolling 30 day contract the same as a 12 month as far as a credit agreement is concerned?
I mean, would a 30 day contract have the same positive effect on your credit file as a 12 or 24 month contract with same green happy ticks ever month.

Hope that made sense??

philnicandamy

leftatthelights wrote: »

Hi guys,

Is a rolling 30 day contract the same as a 12 month as far as a credit agreement is concerned?
I mean, would a 30 day contract have the same positive effect on your credit file as a 12 or 24 month contract with same green happy ticks ever month.

Hope that made sense??

think of it as more "a foot in the door to better things" ;)

ian_h

philnicandamy wrote: »

think of it as more "a foot in the door to better things" ;)

Agreed - but it still reports to your credit file in exactly the same way, so whether its a 1 month or a 12 month agreement you still get the same green tick when you pay on time.

I was told about talkmobile and applied here (simply because using that link, at the bottom of the page, also enters you into a draw for a car) - I got 30 day rolling contract, 200 mins, 500 txts, 500MB data for £8 pm.

andyf1980

I'm a Virgin Media customer and have just been approved for a full contract. Not yet discharged. To be fair they're not one of my creditors and I've been with them over a year and never paid late. Just reinforces the lack of consistency.

Close_escape

Discharged less than 4 months. Accepted by t-mobile on a 24 month contract through online application.

uolypool

I to was thinking about trying for a contract mobile and decided on one from t-mobile, applied online on Monday evening and recieved an email Tuesday morning to tell me that my application was succesfull and the phone was on its way to me:j:T:j

sealsandsqueals

I'm a bit worried - are you not allowed a mobile phone contract while BR? I had one pre BR and had never defaulted and have simply carried it on and pay each month on time - they have just upgraded me and I've signed for another 24 months.

Is this not ok? Should I not be on a contract?

Sorry, probably a stupid question but am a bit confused and worried I've done something wrong here.

I'm now a week away from AD.