The Lisa's Vine

These days’ mobile phones are more of a necessity than a luxury. Smartphones have become advanced. You have internet access and apps for doing anything on the phone. Many people in the UK who have a good credit history can finance a mobile phone easily with a credit card, but what if you have a bad credit history? Things can be a little difficult here. Purchasing a Smartphone without a credit card is not easy but it is not impossible either. You need to look for a company that offers  phones on contract for bad credit   and do not run a credit check. Why do mobile companies run a credit check? Credit checks are carried by phone companies to determine whether you can keep up with your payments or not. They want to see how reliable you are in paying your debts and managing the credit. If you have been paying bills on time then it shows that you will be able to pay your mobile phone bills on time as well. Hence it becomes easy to get the phone. However, if you have not paid bills o

Why are credit scores important? Credit scores speak a lot about you. These scores tell how worthy you are when it comes to making payments on time. It helps the lenders decide whether you should be offered credit, contract phones, mortgage, etc. or not. How are these scores calculated? Credit scores can go up and down and this fluctuation of scores depends on a variety of factors. If you have not made any payments on time and not registered on the electoral roll or declared bankrupt then your credit report can be affected badly. The way credit scores are calculated differs among credit reference agencies and lenders. You just need to keep in mind that making all your payments on time is vital for getting a good score, else the credit rating will be affected big time.  Getting approval for a mobile phone contract is simple? Qualifying for  mobile phones on contracts  in the UK is an overwhelming process because a credit check is an integral part of it. Companies do not appr

panoramic banner. young woman entering security code with mobile smart phone and paying credit card on desk at home office, internet technology, electronic online booking, payment and shopping concept Do you know that your credit score affects your applications to car loans, personal loans, mortgage, and various other financial decisions? buying a contract phone plan is no different. you cannot  buy a contract phone online  if you have a bad credit rating because a credit check is done for contract phones as well. If you choose expensive phones then the credit check is more stringent. If you know that you have a bad credit score and want  bad credit score phones so here are a few things that you can do. Carrier ads seem attractive and it feels like anyone can visit a store and get a smartphone of their choice easily, but things are not as pleasant as they look.  If your credit rating is not good you will be asked to pay a hefty deposit upfront. When applying for  phones on contract

To get a mobile phone contract or SIM only deal in the UK you need to undergo a credit check. The credit checks are performed to judge the creditworthiness of the customers whether they will be able to make the bill payments on time or not. The most stringent credit checks are done on 24th-month contracts where a person is offered a new Smartphone. If it is a SIM-only deal then credit checks are not very stringent. Because of the credit check requirements, many are not offered a mobile phone contract. The requirement is you have to be at least 18 years of age and need to have a UK credit history to get a contract mobile phone approval. Apart from that, the mobile phone networks have their own internal credit criteria and as per their rules and regulations, your application for a mobile phone contract is judged. The credit check process and policy of each UK mobile network is different. If you do not pass the above requirements then you need to get  bad credit score phones .  Y