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First, it was the world’s markets crashing in 2008. Then in the middle of 2016, it was Brexit – or the decision by Britain to leave the European Union. Although these things might just be something you hear about on the television or radio news, they have affected how we live in the United Kingdom.


How? Well, we all know that our economy suffers but this then filters down to the man in the street. It becomes harder and harder for us to live our lives and get our salaries to last. In turn, we make use of credit products in ways they were not intended. For example, taking out a loan just to be able to pay your child’s school fees, or even using our credit cards to buy groceries each month. Using credit products in this way is dangerous and all it leads to is further and further debt.

And that leads to defaulting on payments, often through no fault of your own. In turn, people’s credit ratings drop lower and lower and lower. Eventually, a negative credit rating means that any form of credit is simply no longer available to them as financial institutions see them as nothing more than a massive risk.

This begins to influence every aspect of their lives. In fact, people often don’t realize the impact it can have. Take something as simple as a mobile phone contract. This is a form of credit which simply will not be available to you if you have a negative credit rating, have county court judgments against your name, if you have been declared bankrupt or if you are blacklisted.

And how can life go on without a mobile phone? Many people need them for their livelihood, for safety and security reasons or simply just to keep in contact with family and friends who live far away.

But there is a product that we have found that finally gives people with a bad credit rating the chance to own a mobile phone on a contract basis. According to this blog post, bad credit mobile phones not only allow people to secure a mobile phone across a range of contract options, it also allows them to choose from many different handsets.

How do bad credit mobile phone contracts work?

In fact, they are very simple. Find yourself a reputable dealer and simply apply for one. Many providers will allow you to apply online and can approve your application in a matter of a couple of hours. Or you could even visit their offices if you would like someone to just provide you with a few more in depth details as to how bad credit mobile phone contracts can benefit you.

You will need to supply some paperwork in your application. This includes either a letter from your landlord (if you rent) or from your bank (if you own a home) for proof of address. You will also need your last three months’ pay slips as well as three months’ worth of bank statements from your main account in which your salary is paid.


These documents help the contract provider determine how much you can afford on a contract each month. Once they have decided on an amount, they will show you a range of contract options which you can then choose from. Each contract will have handsets coupled with them. Don’t worry, there are often three or four different phones to choose from so you will definitely be able to find a handset that you like, possibly even one of the new flagship smartphones such as an Apple iPhone 7 or a Samsung Galaxy S7.

Bear in mind, some of the more expensive handset options may require you to pay an upfront deposit. This is returned to you on completion of the contract period.

If you already have a handset, consider a sim-only option. These are far cheaper and can be paid off as quickly as 12 months.


Now most people who apply for bad credit mobile phone contracts do so because they suffer from a history of county court judgments, bad credit ratings, have been blacklisted or worst still, declared bankrupt.


Often, however, they need a mobile phone and one on a contract basis at that. And while a bad credit mobile phone is the way to go in this regard, such a contract can also be used to actually improve your credit score. And we are sure you all agree, having a positive credit rating should be your ultimate aim in the long run!

But for many, this is a long and difficult road. Certainly, no one wants a bad credit history or the problems that are closely linked to one. If you suffer from this massive problem, you simply cannot get any form of credit product. Need a loan? Want a credit card? What about a house mortgage or even vehicle finance? They simply are not available to you if you suffer from a bad credit rating. By all means, apply. You will just get turned down time and time again.

And thanks to the global financial crash of 2008, a large portion of the population of the United Kingdom are sitting with a negative credit rating.

So fix it!

Using a bad credit mobile phone contract is one of the ways that you can positively impact your credit rating. Eventually, you can turn it from a negative into a positive. It just takes determination, regular payments and making sure that you never default.

No other product can be used in this manner. But how does it work? Well, think about it. With a bad credit mobile phone contract, you are taking out a form of credit and perhaps the only form of credit that you will qualify for in your current situation.

Although your credit rating is not considered when you are approved for a contract such as this you can still use this credit product to raise your credit rating. Yes, it will take some time but it really is better than nothing at all. And there are no other options available to you.


So how can you use a bad credit mobile phone contract to actually raise your credit rating? Well, it is so simple actually. Once you have taken out your contract, you will be expected to make monthly repayments of the terms you have agreed to with the contract provider. Generally, these terms are between 12, 18 or 24 months.

Now make sure that you not only pay the exact instalment each month but that you pay on time. In fact, if you wish to, you could speed things up in terms of paying off your contract by paying a little more when you can afford it. In this way, you not only pay off your contract quicker but it will also reflect positively on your credit report.

So by doing this diligently, you will ensure that by the time the contract comes to an end, your credit rating will indeed improve. Bear in mind of course that if you do have other credit products in your name, you need to pay the full instalment. Make sure you pay on time as well.

Many people actually opt to take out a sim-only contract first up, especially if they already have a handset. This means that in a 12 month period (the time these contract usually run for) they can influence their credit rating. After the contract is up, they can either take a regular contract (if there credit rating is now in positive territory) or again, they could choose a bad credit mobile phone contract.

Over time, by following this route, you will have a positive credit rating, something worth celebrating!


Sometimes people are very reluctant to try something new! This reluctance enters every part of our lives, be it trying new food, going to a new holiday destination and even trying something that actually may benefit us in the long run, for example, a bad credit mobile phone contract.

For those individuals suffering from bankruptcy, bad credit ratings or even those who have been blacklisted, a bad credit mobile phone contract gives you the ability to actually get a nice new mobile handset on a contract basis. A few years ago, this option would simply not have been available.

To show you how simple it is to apply for a bad credit mobile phone contract is, we thought we would show you the step by step process that you will follow during your application. Remember, you could have your new handset and contract in as little as 24 hours.


Apply and send necessary documents

The first thing you will need to do is actually fill in the application form. There are many ways to do this. Either you can go into the office of the provider you are applying to or ask them to mail you the forms that you can fill in at home.

There is a far more convenient option, although not all providers will have the means to provide it. Some allow you to upload the necessary documents you need to send with your application (your ID, pay slips, and bank statements) as well as fill in an online form so that they have all your other necessary details such as your contact numbers, address, email etc.

Find a phone

Once you have been approved for a contract, it is time to pick your handset. Although you may have a certain handset in mind, you might not always qualify due to a number of reasons, but most importantly your income and expenditure. If you do want an Apple iPhone 7 or a Samsung Galaxy 7 and do not qualify, ask the service provider if you can pay a deposit upfront. Many times, this will allow you to get the phone you want as the deposit provides a form of security. At the end of your contract, you can get the deposit back. Note, this deposit can be a substantial amount.


Select a package

Now you need to select the package you will prefer. Take note that many unscrupulous dealers will force packages on you, often with benefits you don’t need, for example, 1000 texts per month. With a smartphone, data is important so make sure you do pick a package that will provide you with enough data each month without you having to recharge.

Collect your phone or wait for delivery

Depending on stock situations, you could collect your phone within 24 hours, especially if your service provider has a branch in your town. Otherwise, you will just have to wait for the courier.

Really, nothing could be simpler than applying for and receiving a
bad credit mobile phone contract and handset.