Use This Advice to Get Your Bad Credit Mobile Phone Contract
Are you also struggling to get a contract phone? Most likely, you, like thousand other people, have a bad credit history and this is what prevents you to get that contract. Whether this is because of bankruptcy, being unemployed or because you have no credit at all doesn't really matter. What matters is that with poor credit, it is almost impossible to get a mobile phone contract.
Fortunately, even if you have this problem hovering over your head, there are still ways to get providers such as TheMobileSpot to grant you a bad credit mobile phone contract. Note how we said “ways” instead of “a way”. That's because getting accepted for a phone contract is really based on a case-to-case.
Take a look at some of the common problems that might prevent you from getting a mobile phone contract:
Bankrupt or Unemployed
If you have filed for bankruptcy, or are without a job, getting a mobile phone contract can be challenging, but it is not impossible. There are some providers that do a little bit different credit check on you when you apply for a mobile phone contract. You probably have a better chance of getting accepted by a big provider, like T-Mobile, but keep in mind that for a more expensive mobile phone, the provider has to pay upfront and then get the money back from you gradually in the course of next couple of months.
People who are without a job or have filed for bankruptcy are considered by mobile phone contract providers as a risk. One way to get around this issue is if you get a SIM-only contract for 3-4 months, pay every month on time and later apply for an upgrade with the provider.
Poor or No Credit Score
Before you decide to get a mobile phone contract, you should take a good look at your credit score. You can do this for free. The most common issue here is getting a CCJ (County Court Judgement). This happens when you owe someone cash. If that person or company has issued a CCJ against you, you should have received a form and you have 14 days to pay the debt. If you default on this, or fail to reply within the 14 days, the CCJ will be issued as a “default judgement” and can be kept on your credit record for 5-6 years, preventing you from getting a mobile contract.
Little or No Credit
If you are a college student, or have recently finished your studies, you likely have little or no credit. What this means is that you don't have quite so much debt. While this should be a good thing for you, it is also how providers evaluate how good you are with paying. Thankfully, with no or little credit score, you can quickly build it up and get a mobile phone contract much faster.