If you have bad credit, many cell phone companies will turn your application for a phone credit down. The main reason for this is that you are seen as a high-risk entity and, therefore, big companies fear losing money by working with you. However, bad credit should not be a stumbling block to getting that slim, shiny, and top of range phone that you have been dreaming about. Here is what you can do to make your dreams happen.

  • Correct your credit score with reference bureaus

The first thing to ask yourself after being denied the contract you wanted is whether the credit score reflects the truth. Because of the many stakeholders involved in credit scores computation, it is not uncommon to find your report filled with mistakes. For example, you might have cleared paying a loan and the financial institution delays or fails to remit the clearance report to the credit reference bureau. Therefore, it is critical to first check with the bureau to correct any inconsistency before you considering reapplying for a phone contract.


  • Identify a no credit check mobile phones dealer

Though you have been denied a contract, it is important to appreciate that different cell phone companies have many varying conditions and one might fit your situation. To get these, look for good contract phones no credit check dealers and compare their various deals. These dealers work with various cell phone companies and will give you options on what to do to get the phone you want. For example, you might be advised to raise some deposit, utilize the employer cell phone company employee discount plan, or use a friend to co-sign the contract.

  • Go for a SIM only mobile phone contract

While your credit rating might be poor, the truth is that no cell phone company wants to lose a client. Therefore, they encourage you to join them on a SIM only contract so that they can gauge your creditworthiness over a period of time. For example, Three requires clients with bad credit to take SIM only contracts of about £8 per month for about 6-12 months before being approved for the smartphones they want. Other companies that require you to take a SIM only contract include Vodafone, BT Mobile, and O2.


  • Start working on your credit rating

No matter how you look at it, bad credit is not healthy for you. Well, today it is the mobile phone companies disappointing you, and tomorrow might be a different party altogether, perhaps a high street bank. Therefore, you must start working on a method of reducing your bad credit rating so that you can get the contract phone of choice in the coming months.

Though this might appear monumental, it is not as difficult. Here are several methods of improving your credit score.

  • If you have several loans especially on your credit cards, consider consolidating them into a single bank loan that has a far lower interest rate. This way, you can clear all small loans and consistently focus on clearing the consolidated credit without being late.
  • You can also review all the loans you have, pay the minimum required amount, and put the extra money into clearing the one with least the balance. In this way, you will finish clearing the loans faster than you think.


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A contract mobile phone is one of the best methods of getting an up-to-date handset as well as great deals on data, calls, and texts. A contract allows you to enjoy the latest Samsung Galaxy, iPhone, Sony Smartphone, and others without making an initial deposit. Because of the many deals on phone contracts all over the United Kingdom, selecting the right one can be a tough call. This is an article on how to choose a good mobile phone contract.

A closer look at mobile phone contracts

What is a mobile phone contract? A phone contract means that you pick a phone of your choice and then pay a standard monthly fee for a fixed period (usually 12-24 months). When selecting the contract, you are also required to select a package of data, text, and talk minutes that best fits your needs without paying an additional amount as everything is catered for by the monthly payment you make. Imagine going for a full year or two without having to top up a mobile phone? This allows you to talk more, text more, browse, stream music, and much more.

How do you choose a good phone credit?

  • Avoid rushing to the cheapest deal

Though it is tempting to simply pick the cheapest deal, it is important to get into the details of what you are getting. Here the twist is usually what you will be getting regarding minutes, SMS, and data. Take some moment with a pen and paper thinking of how much you talk, text and browse so that you avoid paying for something you will not ultimately use.

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  • Be wary about contracts that promise cash backs

While some companies promise cash back, rarely do they live to it. Well, this does not mean that it is impossible to get cash back, but the process is very difficult. For instance, many of the companies that promise cash back require you to gather all bills and physically send them in. This is almost impossible for many people and even when you manage to get the bills, the time frame between sending, correction, and getting cash back is too much.

  • Review the contract length

Though every contract has to be tied to some months, no one wants to be bound for a very long time paying for a phone. Though spreading the cost for more months makes the monthly payment low and more attractive, you will end up paying more at the end of the contract. Compare how much you will pay if the contract lasts for 6, 12 or 24 months and go for the option that saves you the most money.


  • Will you be making calls abroad?

For people with friends abroad, studying in other countries, or making regular calls outside the UK, it is important to check the rates for international calls. Though the EU has tried so much to equalize the calling charges, it can be very costly calling or roaming data to a country outside of the EU. If the cost is very high, consider negotiating the contract with the phone company to get a better deal.




Phone companies are in business and every marketing model they come up with has to be tied to profits. While there is no doubt that mobile phone contracts have a lot of benefits, you must be prepared to pay more when taking one out. However, the ball remains in your court until you pen down the contract. The main question is how to negotiate a better deal? The following are top 5 tactics you can utilize to negotiate a better deal.

  • Utilize various methods when shopping for mobile phone contracts

Cellular phones companies utilize a diversity of methods to reach clients and sell their products. From online stores, retail outlets, dealers, and flyers, the buyer should compare who is offering a better deal. In some cases, contracted stores might add several conditions or even fail to reveal some information to box you into the corner they want. For example, some might only reveal the most expensive tariff so that you select the most expensive contract. Make sure to check which phones are cheaper, better, and have a network reaching your residence and workplace. Why get a specific smartphone if the provider does not even reach your area?

  • Make sure to include prepaid phones when comparing contracts

Though many people tend to overlook prepaid phones, they are indeed highly competitive and are tied to larger providers meaning the network is better. Visit top online retailers such as Amazon, EBay, and other top dealers to establish what matches well with your demand. You might get a great deal that matches the amount you can raise affordably. The only problem is that you will need to wait until the phone is shipped to you.

  • Negotiate

When many people read through a mobile phone contract, they rarely acknowledge that they can negotiate the price downwards. Find out about other deals from different companies and take them to the dealer of your choice to inquire whether he/she has better rates. Demonstrate the willingness to walk away and the dealer will come running after you with better deals. Every salesperson fears that a client who finds the weakness of a brand will spread the word and everything turns viral. Play hardball and you will see the results.

  • Look for professional discounts

Many employers enter into agreements with top cellular companies for discounts on various plans for their staff. Find out if your employer has such a plan and compare the prices with other plans that are on offer. Remember that the deal with your employer does not prevent you looking for additional discounts.

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  • Ask for a comparison of no-contract version of the plan you want

If you are looking forward to signing a contract for a cheap phone, find out what a no-contract version of the same plan would cost. Non-contract phones are usually cheaper. However, you will not get discounted phones on a non-contract plan. The good thing with no-contract is that the phone is unlocked and can be used with your current plan. You will end up paying less and making a lot of savings.


Whether you are considering a new mobile phone contract or the one you have is coming to a close, take your time to get the best by comparing what various companies are offering. Make sure to use all your strengths and demonstrate the willingness to walk away at any moment while pondering the best deal.



One of the reports in The Daily Mail that has attracted a lot of attention is how mobile phone companies dupe buyers to pay more for using phone contracts. However, you have all the control in your hands. Let’s take a look.

Understand personal talk time, texts, and data requirement

The reporter indicated that many users end up paying up to £1,000 more than they need for a mobile phone by the close of a contract. In their ads, mobile phone companies advertise their phones with more talk time, SMS, and data. However, many users rarely need all that data, texts, and talk time.


Get down with a pen before signing any contract to understand how many minutes you talk every day, the texts you need, and data to avoid being fooled to get more. If you only talk for an average of 20 minutes every day (about 600 minutes a month), why pick a phone contract advertising for 1000 minutes?

Take the phone contract with the seriousness of a bank loan

When clients look at mobile phone contracts, everything has been built upon the tariff for that specific service so that comparing prices becomes even more difficult. The buyer is so much focused on the handsets and does not even remember that he/she is getting a loan. Well, it is all about business at the end of the day and buyers must be equally smart.


When you decide to get a phone contract, think of it as a bank loan. Review the value you will be getting by going for that phone and evaluate the available options. For example, how much more will you pay by spreading the contract through 24 months as opposed to 12 months? In some cases, you might even bring the overall cost down tremendously by putting some deposits and paying the balance over an even smaller period.

If you find that the entire deal is making you pay more, you can get money from other sources to buy in cash. For example, you can take a loan from the local bank, pay a well-defined interest and get the phone in cash.

What tariff are you operating in?

While many people would do fine with about 250 minutes, 250 texts and 300 megabytes of data, most requests to phone companies reveal that they recommend 1000 talk minutes. Many people who get phones through contracts are indeed on the wrong tariffs. In many cases, salesmen driving sales for top smartphones do not have less costly tariffs for clients or are unwilling to reveal them.

Whether you want to upgrade or simply look forward to upgrading to a new phone, carefully compare the tariffs and go to the most affordable one. Do not simply buy the analogy that the tariffs they present are the only ones and the best on offer. Take some moments to research the respective company customer care number and call directly to find out about different types of tariffs. Remember that the best option when searching for a phone contract is comparing different companies, reviewing offers, and establishing exactly what you want.