I have bad credit, an outstanding default from 2000 and two CCJ's, which have both been satisied for at least two years. I am looking to get a contract phone on either Vodafone, T Mobile or 3. Does anyone know if any providers are more lenient with regards to credit checks, or will I have no real hope of getting a contract with any of them because of my history?

hi buster, don't know if this will help but try thenetdoctor.com. i have had similar credit problems and wanted a contract phone. they specialise in people with a less than perfect credit score. hope you find this of some use!

Hi,

I don't know if this is any help to you. . . but I have a bad credit rating, and t-mobile just let me sign for a contract witht eh Flex-t plan - I had to use a credit card as proof of ID and sign uo to pay by direct debit.

Emma x

Buster,

Compared to me Buster you have excellent credit! I have lost count of the number of ccj's I have, due to a six year legal battle with my local authority, unemployment and mortgage arrears.
Last week I recieved a brand new, top of the range Nokia on contract. ( I must say it surprised me too).
How?
Well I just filled in the questions (honestly) on the website and then watched as a stream of emails were sent to me saying I was going to be credit checked, then my delivery date, then comfirmation of said date etc.etc.
Which website?



This one!!!!!!!!

Give it a go, I don't know if it was a fluke or not but I am a very happy punter.

Good luck,

Ed

if you want the latest mobile but cant get credit and if you are over 21 and working full time, and can pay by direct debit then hear is the answer, phone 0845-338-6200 or apply online to www.phonesonfinance.com/yes
this company do NO credit check, give you the latest phone, weekly or monthly payments, pre-pay or sim free phones.

what people seem to forget these days is that 9 out 10 contracts give you the phone free! so really the phone companeys rope you into the contract and hope you pay enough to make a profit on the account.

so because the phone is free think about it carefully the phone is probabley worth little compared to shop prices when sold to the operator by the manufacturer probabley within your first 3 payments they have already broken the profit margin.

also many operators use credit scores to determine what level of contract they can offer that suits you then usually you get your new phone all pretty in its nice new box that was just yesyerday sitting in the warehouse after being reconditioned, see the scams are there all the time you justr dont see them.

there are alot of phones out there that are reconditioned after being used by the elite class of contracts and they are then passed on down the line after upgrades. so its not that difficult really to work out how the risks outway the benefits and why so many phones are free and credit is available to all.

ed which network did you use ,as i have looked on here and they offer all of them ,thanks adam

As per Emma above, i have just got a Flex-T contract with T-mobile. I have an absolutely terrible credit rating - absolutely shocking in fact! I just had to use my debit card as ID & signed up to pay by Direct Debit. Phone is being delivered this afternoon... :o)

Worth a try for those with bad credit...

xx

This is quite true. I know Vodafone has reconditioned phones for new customer that want to go on contract. I am lucky to belong to the so elite class of contracts though I have bad credit. I just don't switch.

Awesome!

I have really bad credit after being made redundant and defaulting on several things, as well as having an outstanding with 3 (who I think you should avoid like the plague anyway).

Now I am working again I tried to get a contract with orange who turned me down. So after searching the net I found this thread. Taking your advice I applied for a T-Mobile Flex-T contract with a spanking new phone. (There was a good selection of phones).

To my amazement I have been accepted and the phone is on the way!!!!!

The downside is they're 18 mnth contracts which I don't like. However, It's a good deal, and after 18mnths my credit history with them will be good and I can take a shorter deal.

Thanks for the advise ... RewtDewd

Glad things worked out. If you have NTL as your provider, you can also get a very good deal.

http://www.telewest.co.uk/html/bundles/virginmobileoffer.html

That one's possibly a no...........I'm an NTL custtomer, and spent two hours (yes two hours!!) on hold to Virgin this afternoon just to be turned down after the credit check..........and I've got no CCJ's or Defaults on my files (Equifax & Experian), just a handle of 1 month late payments on.....funnilly enough my NTL account........I don't know if that was a factor or not.....

.....just applied to T-Mobile for their Flex-T plan and was accepted after referral......took about half an hour in total!!!

I'm told by the sales guy that they very rarely reject people, and that if your credit it totally rubbish, you can usually get away with paying them a £100 security deposit (They accept all sorts of cards, even Solo apparently), which is returned to you after you've paid your bill by direct debit for 3-4 consecutive months.

can u send me a link to get a contract phone please, i want to apply cos i have low credit too.

please

http://www.t-mobile.co.uk/Dispatcher

hi i want a contract phone, i went on that website and got no where. i dont wan to go on t-mobile cos i had one of them last year and it cost me loads of money. i have got bad credit so can u help me out. no any websites that will accept me.