A sneak peek into guaranteed mobile phone contracts

If there is something that lights up the face of a person with a poor credit rating, it has to be the guarantee of approval any time they apply for a mobile phone contract. After having had to deal with the mental anguish of rejections every time they applied for a phone contract over the years, the introduction of guaranteed mobile phone contracts was like a breath of fresh air. The introduction or unveiling of guaranteed mobile phone contracts was received with pomp and glamour. The promise of approval even if a person had a poor credit rating was enough to have individuals with a poor credit history bubbling with optimism.

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Unlike before, those with a poor credit rating could apply for a phone contract without fear of being rejected and go ahead to enjoy the benefits that came with a phone contract. These types of phone contracts offer you the guarantee of approval irrespective of whether you have a history of CCJ or defaults and are specifically designed for individuals whose credit score is in doldrums. Essentially, what happens is that individuals with a less than average credit score go for this type of contract because of the ease of approval as well as the guarantee that comes with it.

How do they work?

In essence, guaranteed mobile phone contracts act just like conventional mobile phone contract the difference being in the perks offered, the mode of approval as well as the period for which a person can be locked into the contract. These types of phone contracts are instrumental for individuals with no prior credit history as well as those with bad credit and whose efforts to get approved for a standard contract have come to naught. Like conventional mobile phone contracts, you still have to make an application and wait for it to be approved. However, unlike conventional contracts where approval is pegged on credit checks, guaranteed mobile contracts approval is not hinged on credit scores. In fact, even a person with a history of CCJ can be guaranteed of an approval provided that they make a small upfront payment.

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How do you go about applying for guaranteed mobile phone contracts?

As is the case with conventional mobile phone contracts, application for guaranteed mobile phone contracts pretty much follows the same script. You have to research the right guaranteed mobile phone contract provider, read reviews to ascertain that they ascribe to the highest level of professionalism, compare the different plans on offer, read the fine print and finally apply. The provider you ultimately settle for should be ascribing to the principles of total quality management, be reputable, affordable and all inclusive in so far as your contract needs are concerned.

To sum it up, while guaranteed mobile phone contracts have been instrumental in helping people with bad credit get approved for a phone contract, it is important to note that they are slightly more expensive that standard mobile phone contracts, have fewer perks as compared to traditional contracts and in some instances one might be required to pay a deposit prior to being approved. The deposit is always refundable at the expiry of a contract provided that a given account is in good standing. Above all, used in the right way, guaranteed phone contracts can help a person to gradually improve their credit score provided that they do not default in making payments.

Important information prior to applying for no credit check mobile phone deals

Gone are the days when mobile phones were considered a luxurious item. Nowadays, the world revolves around mobile phones as people depend on mobile phones for virtually everything. A mobile phone is nowadays used as a watch, a map, an alarm clock, to shop and make payments, to seek for directions just to mention but a few. In light of this, applying for a mobile phone contract in the UK has become the norm if the numbers are anything to go by. However, having a poor credit rating is a major problem especially if you are seeking to apply for standard mobile phone contracts. All providers in the UK offering standard mobile phone contracts must carry out credit checks before you are approved for a phone contract. It is for this exact same reason that no credit check mobile phones have become quite popular in the UK and beyond.

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Prior to applying for no credit check mobile phone deals, it is highly recommended that you exercise due diligence. With so many providers in the market, finding the right deal might prove daunting especially if you don’t know what to look out for or how to go about the whole process. Talk to a friend who has in the past applied for mobile phone deals no credit check or simply scour the internet for all the information you need on no credit check mobile phones.

There are so many review or comparison sites that contain valuable information on the best no credit check mobile phones provider within your vicinity. In fact, the good thing about them is that they review every aspect of a provider hence putting you in a better position to make an informed decision. However, comparison sites shouldn’t be your last resort. It is important that you read trusted reviews from past customers especially of a particular provider you’ve narrowed down to. You don’t want to apply for a phone contract with a provider with a history of poor customer service.

How do past customers rate the no credit check mobile phone provider you wish to apply for a phone contract with? Do they give glowing tribute to the provider or do they have negative things to say? What are the caliber of services that the provider in question offers? Once you have a clear idea of this, you can always make an informed decision. However, the search need not end there. The next step is to of course visit the provider in question personally and get firsthand experience of how they treat their customers as well as a clarification of things you don’t understand.

This is also the perfect opportunity to read the fine print and find out if there are any hidden charges as well as bargain for a better package. However, before you embark on the process of haggling, ensure that you are well informed on what plans competitors offer as well as explain to your provider why they should give you a better offer. You can always dangle the loyalty carrot and hope that the no credit mobile phone provider in question bites it. Once you reach an agreement, the last thing on the table is to of course sign the contract and start enjoying the benefits of your no credit check mobile phone deal.

Comparison between no credit check mobile phone deals and traditional mobile phone contracts

If you have no prior credit history or have a poor credit score, chances are that you’ve considered applying for mobile phone deals no credit check. The reason why no credit check mobile phones have become very popular as compared to conventional mobile phone contracts is because they do not attract any kind of credit checks and as such the acceptance rates are very high. While this is laudable in every aspect, there are a number of outstanding things or aspects that distinguish no credit mobile phones from traditional mobile phone contracts. How do no credit check mobile phones compare to traditional mobile phone contracts?

Credit checks

If you have in the past applied for a conventional mobile phone contract, you will agree with me that credit checks are mandatory. In fact, this is one of the major reasons why those with a poor credit score found the going tough every time they sought to be approved for a phone contract. No credit check mobile phones on the other hand do not attract any credit checks or rather ones credit score doesn’t play a major role in the approval or rejection of a contract.

Upfront payments

Provided that you have a healthy credit history, making an upfront payment is not mandatory when applying for standard mobile phone contracts. Your good credit score is all that is needed for you to get a deal of your choosing based on the plans on offer. The same cannot be said of no credit check mobile phones. Since providers deem you as a risk, chances are that you might be required to make a hefty deposit prior to being approved for a phone contract especially if you are seeking to apply for a high end phone.

Cost

The higher the risk, the higher the cost of your phone contract. Individuals applying for no credit check mobile phones tend to pay high monthly installments as compared to those on standard mobile phone contracts. In fact, the interest rates are abnormally high because those under no credit check mobile phones are deemed to be high risk. The same cannot be said of those under standard mobile phone contracts. The monthly repayments are relatively cheaper as compared to no credit check mobile phones.

Contract lock in period

The truth of the matter is that those on no credit check mobile phones contracts have no say on the minimum period for which they might want to be locked in a contract. In any case, the provider sets the minimum period for which a person must be locked in a contract which is mostly 18 months and above. Standard mobile phone contracts for individuals with a good credit history attract a minimum contract lock in period of 6 months which is a far cry to the 18 months which a person with a poor credit rating must be locked in when applying for a phone contract.

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Upgrade

Individuals with a healthy credit history can upgrade their phone contracts any time they so wish. This is not the case with no credit check mobile phones where a person has to have their accounts reviewed before they can upgrade to a better package or phone.

What you need to know when applying for No credit check mobile phones

If you have a poor credit rating, chances are that you’ve been denied a phone contract in the past. Before mobile phone deals no credit check became a reality, getting approved for a phone contract especially if you had a poor credit rating was a herculean task. UK individuals with a poor credit rating had to contend with one rejection after the other and this was a major cause of heartaches and disappointments. In any case, UK providers rarely glanced at an application twice especially if it emanated from a person with a poor credit score. Those with a poor credit score had to contend with second class treatment from providers offering mobile phone contracts.

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Then came the introduction of no credit check mobile phones and the situation changed as more and more UK citizens could now get approved for a phone contract without having to worry on end about credit checks. While this was laudable in every aspect, these types of mobile phone deals no credit check came at an unusually huge price. Individuals applying for a no credit check phones had to part with huge amounts of cash in terms of upfront payment as providers sought for ways to reduce risks on their part.

The situation was further compounded especially if a person wanted to apply for a high end phone through no credit check mobile phones. Luckily enough, there are a number of ways in which you can get yourself a better deal through no credit check mobile phones. All is not gloom when applying for mobile phone deals no credit checks. You don’t have to put up with the high prices or monthly costs if you take proper measures to reduce the cost as much as possible and get the best deal. There are indeed a number of ways you can get a cheaper mobile phone deals no credit checks and ensure that you enjoy the best deals.

For starters, you need not just apply with the first provider you come into contact with. There are thousands of providers in the UK offering no credit check mobile phones and hence it is important that you do your research and go for a provider that offers cheaper mobile phone deals. Secondly, if you want to get the cheapest deals, ensure that you go for a relatively cheap mobile phone. The latest high end phones such as Samsung galaxy s7 are very expensive and therefore require a hefty deposit and high monthly repayments. It is therefore important that you go for phones that were released a while back. Old phones tend to be cheaper as compared to newly released mobile phones such as Samsung Galaxy s7 or LG G5.

Thirdly, you can always check your credit report prior to applying for a phone contract. After all, your credit score could be in poor shape because of errors. By closely scrutinizing your credit report, you can easily identify any errors and have them rectified prior to applying for a phone contract. Fourthly, never take the offer you’ve been given on the table simply because you have a poor credit rating. It is important that you try to haggle for a discount or an improvement of the package you’ve been offered. After all, your provider cannot give you a better package if you don’t ask for it.

If you do all the aforementioned, you end up with a better no credit check phone contract that aptly meets your needs and which is good for you. Just ensure that you take your time and that you apply for a no credit mobile phone deal from an informed perspective.