Best network for first time applicant?

35483

Hi, I'm 20 years old, and have recently registered on the electoral roll for the first time. I am also about to open a current account for the first time as well.

I have never had any form of credit before and I would like to build my credit so that in four years time I can get on the property ladder (mortgage).

I understand that I need to do this via using credit cards wisely, budgeting, saving, etc.

I also need a new phone. Not only will this be replacing the sorry excuse of a phone I have at the moment, but I am under the impression that this will build my credit as well.

I really don't want to be declined as this will mean I have done a credit search for nothing, so my question is what is the best mobile network (in terms of acceptance rates) to open a first time contract with?

smartphone

It's difficult to pinpoint one network as being easier than another. You are in a reasonable position in that you are on the electoral register and have a bank account. This increases your "findability", ie the networks can trace you if you default on payment. The only thing you can do is try, or maybe if you are worried about getting declined, start on something like a SIM only deal.

reclusive46

If your a student, try Three. They pretty much always accept students on sim only deals and will just ask for a deposit on phone contracts.

SLAYFIELD1

.... Vodafone, Orange, 3 and T-Mobile are the easiest networks to be accepted by. I'm not on the electoral register and have held contracts with all of them, with no deposits to pay.

35483

Wowza, ok thanks guys. I will give Three sim only a go and let you know how it goes!

the-mango

I was in almost exactly the same situation as you about a year ago student, no credit history etc. apart from a childrens savings account which I dont think acounts towards your credit score. I went for Orange beacuse they had a good deal on but I was rejected, I rang up thought and spoke to someone in the department who deal with processing and saying yes or no and had a word with them and they let me go through. So even if you're rejected trying giving them a call, whoever you go with, to see if they'll change their mind