How To Pass A Credit Check For A Mobile Phone?

by - Last Updated on September 26, 2018

A credit check for a mobile phone contract looks at many factors and there is no best way to pass one. The main issue is when you have missed payments, defaults or CCJ’s against your name so keeping up to date with all your monthly expenditures is one of the best ways to ensure a good credit record. It also helps if you are earning a regular income, are on the electoral roll and are living at a fixed address.

In general to boost your chances of passing we recommend the following:

  • Make sure you are on the electoral roll. Sign up to the electoral roll and apply for a contract using the same address that you registered under.
  • Consider choosing a cheaper mobile phone. – The more expensive the phone; the higher the chance of refusal. iPhones are the toughest phone to get for this reason so try and avoid the premium devices. Better still choose a SIM only deal where no handset is included.
  • Don’t keep trying to reapply. If you have have been refused for a contract phone don’t keep reapplying as this does show on your credit rating and leaves a footprint. If you have been declined then your first port of call should be a pre-paid no credit check SIM only deal.
  • Ensure you have a proper bank account. Many people with poor financial history don’t have a bank account with a credit or debit card. This is essential for taking out a pay monthly phone.
  • Ignore some of the myths around credit scoring. Blacklists, previous tenants, multiple checks – there are many myths about credit scores and we've heard them all. Familiarise yourself with the main ones here.