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The Ultimate Guide To Bad Credit Contract Phones

If you’ve struggled to get accepted for a contract phone in the past, then it is highly likely that a low credit rating and poor credit history are to blame.

Our Bad Credit Offer

We understand that every customer is different and there are so many personal factors can stop you from securing the mobile phone that you need. Whether it’s new smartphone to help you with your new job, a larger screen for better gaming or you simply just want a new phone; being rejected for a mobile phone contract – bad credit or otherwise – can be frustrating. However, this is where No Hassle Mobile Phones can help.

If you find yourself in these or similar circumstances, we offer phone contracts for people with bad credit on all the latest smartphones, that could provide you with exactly the device you need. What's more, applying for a phone contract with us is quick and simple. You'll get an instant decision and it won't affect your credit score because we do not carry out credit checks.

Our contract phones for bad credit are flexible. Depending on the phone you choose, you can spread your payments easily over the course of 12, 24 or even 36 months.

If you’d like to learn more about your credit rating and how it might be affecting your ability to take out a contract phone, then our help and advice section is a great place to start reading. You can learn about factors that affect your credit score at the major credit scoring bureaus, how you can improve your score, and how you can budget for more expensive items like cars and laptops.

What Are Bad Credit Phone Contracts?

Our bad credit mobile phone deals are designed to help people with poor credit scores or a bad credit history. All of our bad credit contract phones are ‘no guarantor’, so you don’t need to be a homeowner to apply. If you’ve struggled to secure a phone from elsewhere or been rejected by one of the networks, then we are your best bet.

Why Is It Usually Difficult To Get a Contract Phone With Bad Credit?

If you’ve struggled to be approved for a mobile phone contract in the past, then a poor credit history and a low credit rating are probably to blame for this. A poor credit score means that many mobile networks do not want to risk bringing you on board as a customer and sending you a phone.

What is a Credit Score?

A credit score is a means test of how ‘credit-worthy’ you are. After an run through of your credit history, you’re assigned a number, which is your numeric credit score. The higher this number is, the more trustworthy you’re seen by the mobile networks, and they use it to gauge how likely you are to make repayments for the smartphone which they sent you with no up front cost.

You have probably also heard the term credit rating. This is similar to a credit score, as it displays credit-worthiness. However, a credit rating only applies to a business, government or country, not an individual. So there’s no need to worry about this term.

How to Check Your Credit Score

Many websites allow you to check your credit score for free, such as ClearScore. There are also others that charge for this service. Your report should automatically be updated monthly.

The three main credit reference agencies in the UK are: Experian, Equifax and Callcredit.

Remember there is no such thing as one universal credit score, and each agency may give you a different score. This also means that you could be accepted by a network that uses one agency and rejected by one who uses another.

We recommend that you check your credit score regularly, as it can improve your financial skills.

What is a Bad Credit Score?

A bad credit score means that you may find many mobile networks are unwilling to send you the smartphone that you need.

All credit agencies use a different system for calculating your credit score, but each checks the same factors. The main credit referencing agencies consider the below categories for a Very Poor to Excellent credit score:

  • Experian: Zero to 560 is Very Poor, 961 to 999 is Excellent
  • Equifax: Zero to 278 is Very Poor, 467 to 700 is Excellent
  • Callcredit: Zero to 550 is Very Poor, 628 to 710 is Excellent

How to Improve Your Credit Score

The good news is that even if you do have a poor credit score, it can be improved with a little bit of work. First, make sure you’re on the electoral register, ensure your name is all bills and make sure that there are no mistakes on your credit file. If your partner has poor credit, then it may also be dragging your score down if you are tied to certain bills or repayments.

You can also improve your credit score over time, by paying off your bills quickly and reducing the balance on any outstanding credit.

Why You Should Choose Us for a Bad Credit Contract

As well as being your one stop shop for guaranteed contract phones you could other great reasons to choose No Hassle Mobile Phones include:

  • We are one of the few providers who can offer phones with no credit checks
  • There aren’t any additional fees to pay
  • You could get a starter phone for no up front cost
  • Our monthly deals can all be managed online

Apply for a Contract Phone Today. No Credit Checks. Quick Approval. Full Confidentiality.