Can I get a cellphone contract with bad credit?

Asked By: Duryodhana Helkvist | Last Updated: 2nd May, 2020
Category: personal finance credit cards
4.3/5 (108 Views . 40 Votes)
How to get a contract phone with bad credit. When applying for a mobile phone contract there are 3 possible outcomes: You will get accepted with no quibbles as you passed the credit check. The retailer or network may ask you to pay an upfront deposit on the phone you want.

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Furthermore, can you get a phone contract with poor credit?

From the credit check and missed payments to rejections and alternative options, we've taken a 360 look at taking out a mobile phone contract with poor credit. The short and sweet answer to this question is yes. Having a poor credit history doesn't mean you're not eligible to take out a mobile phone contract.

Likewise, what's the easiest phone contract to get? The “Easiest” Network

  • EE: TransUnion, Equifax, Experian.
  • O2: Equifax.
  • Three: TransUnion, Equifax, Experian.
  • Vodafone: TransUnion, Equifax, Experian.
  • Sky Mobile: Equifax.
  • Tesco Mobile: Experian.
  • Virgin Mobile: Equifax.
  • BT Mobile: Equifax.

Beside this, what does your credit score need to be to get a phone contract?

There is no minimum credit score required to get a mobile phone, each network operator will score you differently and it can sometimes help to go to the 'easier' networks first. Vodafone and 3 are said to be the easiest networks to be approved on, so start by applying to those.

Can I get a contract phone if I'm blacklisted?

A normal cell phone dealership will not be willing to give you a contract if you are blacklisted, as you appose a threat to them due to the fact that you might not be able to make your monthly payments. They are very strict with this because they can loose a lot of money by giving people phones on credit.

39 Related Question Answers Found

Which phone company does not check credit?

Prepaid cell phone plans don't require a credit check. That's because you pay in advance for your service, usually on a monthly basis, so there's no risk for the cell phone provider. The four major carriers — Verizon, AT&T, Sprint and T-Mobile — offer prepaid plans, often for less than their traditional plans.

Does T Mobile do a credit check?

What is T-Mobile No Credit Check and how do I get it? T-Mobile ONE plan is currently available without a credit check. The No Credit Check plan will require an upfront deposit for the plan, but customers will not be eligible for device financing.

Do Carphone Warehouse do credit checks?

Our mobile phone and internet providers use credit checks to look at your financial history before deciding whether to offer you a contract. We have to carry out a credit check every time one of our customers signs up to a pay monthly mobile phone contract, broadband contract or credit agreement.

Can I get iPhone with bad credit?

You can be a new or existing customer to be eligible for Easy Pay, but a credit check will be required. The good news is it seems there are no real credit requirements to get approved, but you may need to make a down payment if you have bad credit with a score of less than 640.

Does Verizon do credit checks?


Credit Requirements and Eligibility
Verizon Wireless tends to have strict requirements as far as credit checks go. Verizon will run your credit to check the level of debt you are currently managing, whether you have charged-off or collections accounts, your payment history and the limits on your credit accounts.

Do you need good credit for Sprint?

Yes, each new plan (account) does require a credit check. If you simply have no credit, chances are pretty good that you'll be able to start with little or no deposit. Sprint is very good in working with customers who want to establish or re-establish credit.

Is buying a phone on contract worth it?

The contract price for a phone is lower because you pay for the rest of the cost over the course of the two-year contract. Or at least, you'll be stuck with the need to pay a penalty to get out of that contract. Buying a smartphone outright means you can get one that is unlocked — one that is not locked to one company.

Does Tesco Mobile do credit checks?

Yes, a credit check is normally required to join Tesco Mobile. However, you can use Tesco Mobile Rocket Packs without the need for a credit check.

Why can't I get a contract phone?

There can be several outcomes if you're applying for a mobile phone contract. Your application may be accepted outright, or with a condition (for example, you may be required to pay a deposit) – or you may not get the contract. One reason that your application may have been rejected is because of your credit history.

Do you need good credit to get an iPhone?


Answer: A: Answer: A: You can pay cash for the iPhone or charge to a credit or debit card. The carrier will require either good credit or a large deposit for the mobile plan, however.

How long does a credit check take?

It can take from 2 to 10 days to get approved, but once approved, it will be a much quicker turnaround time to run credit checks on prospective tenants. Checks can sometimes be done in a matter of seconds.

How long does it take to get approved for Samsung financing?

Your payment due date will be at least 21 days after the statement is sent or made available. You will also receive account information details by mail from TD Bank within 7-10 days of being approved for an account. How do I make a payment to my Samsung Financing Program Account?

Does AT&T charge a deposit for bad credit?

AT&T Service with Bad Credit
Your deposit will be refunded after 12 months of on-time payments. With ATT, many people with a credit score in the low- to mid-500's are approved with a deposit ranging from $100/line, up to $750 total.

Can I be denied employment due to bad credit?

Yes, you can be denied a job because of bad credit in 39 states and the District of Columbia, while 11 states ban the practice in most cases. But all 11 states have exceptions, most of which concern being hired to jobs that involve finance or looking at credit late in the hiring process (such as after an interview).

Do cell phone companies do hard credit checks?


Most cellphone providers will check your credit before approving you for a contract. Similar to lenders, cell phone companies pull your credit in order to evaluate your risk. They want to see how likely you are to pay your cell phone bill on time. This type of credit check is a hard inquiry.

What is a bad credit score?

What Is a Bad Credit Score? On the FICO® Score* 8 scale of 300 to 850, one of the credit scores lenders most frequently use, a bad credit score is one below 670. More specifically, a score between 580 and 669 is considered fair, and one between 300 and 579 is poor.

Does three do credit check?

To take any Pay Monthly product with Three, you'll need to pass a credit check. To do this, Three take your personal details and conduct a search with a credit reference agency called Experian (read Three's page on credit checks here). There are lots of reasons people fail a credit check.