To have bad credit is akin to having a bad reputation at least in the eyes of financial lenders and mobile phone contract providers. For many years, UK citizens with a poor credit score bore the brunt of outright rejections, the mental anguish of second class treatment when it came to approval of loans and mobile phone contracts as well as the never ending anxiety when it came to applying for a phone contract. In fact, looking back at how gloomy the situation was back in the days, it’s almost unfathomable to imagine that bad credit mobile phones have indeed changed the landscape as we used to know it.
Bad credit mobile phones simply refers to a mobile phone contract specifically designed for individuals whose credit score is less than average or is incredibly low. The unveiling of bad credit mobile phones was at first looked upon with suspicions as UK citizens couldn’t fathom getting approved for a phone contract with bad credit. Fast forward to today and bad credit mobile phones have become the in thing and a saving grace to most UK citizens with a poor credit rating. All that a person needs to do is to provide proof of citizenship, be 18 or over the age of 18 years and show proof that they receive a regular income.
While on paper the basic requirements look like a walkover, the challenge is in getting a good deal. Most people owing to their past experiences and difficulty in availing a phone contract resort to applying with the first provider they make contact with. However, this need not be the case as you could actually be losing out on a better deal. Secondly, with thousands of providers stating that they offer bad credit phones, it could somewhat prove tricky discerning the right provider for your individual needs. So how do you go about this?
Well, for starters, it’s imperative that you do not apply for bad credit mobile phones out of desperation. Desperation makes people to throw caution out of the wind and apply with the first provider that accepts them. Take time to do research and understand how a given provider operates, the caliber of their packages, how they treat customers, how they handle complaints, the professionalism of their customer personnel and so on and so forth. Do not limit research to personal undertaking.
You should seek a second opinion from say a friend or a work colleague. There are probably friends or work colleagues who have previously applied for bad credit phones and therefore can point you in the right direction in so far as applying for a mobile phone contract is concerned. Conversely, if you are a greenhorn, you can make use of comparison or review sites that do carry out wholesome reviews and comparisons of various providers. From their reviews, you get a sneak peek into the plans offered, the prices for each plan, and the length of period you can be locked in a contract, the perks offered and so many other things.
You also need to engage the providers in question as to whether they don’t run credit checks in totality or if they do but the results do not have a bearing on the final decision. In addition to that, don’t forget to haggle for a better deal. Don’t be the kind of person who accepts any deal written on paper. You never know as you could actually negotiate for a better deal and end up saving some cash on your contract. Last but not least, before you append your signature on the contract, ensure that you read the fine print. This is simply to avert a situation where you have to deal with hidden charges later on.