There’s no doubt that a credit score is basically a good thing. The database minimizes the risks for banks and lenders and keeps the costs for loans, contracts, and the like at a level that is acceptable for the consumer. Nevertheless, a negative credit score can make life difficult for a customer because it is then no longer so easy to get a mobile phone with a phone contract, for example.
The way out a mobile phone while having a bad credit score
The current top models of smartphones are technological marvels and all-rounders in pocket size. New models with more and more functions come onto the market almost every month.
However, these top devices also have top prices, at least when they are bought in cash. Many consumers, therefore, get a contract mobile phone and get the latest smartphone with them, either for free or at a heavily subsidized price.
Customers who have a negative credit score, on the other hand, are often rejected. However, that doesn’t mean it is impossible for them to get a good quality mobile phone. Nevertheless, there are regular ways and means to get a mobile phone without a credit check.
It’s worth comparing!
According to media reports, sales of smartphones are starting to stagnate. This intensifies competition among providers. If the customer takes advantage of this fact skillfully, he can benefit from it. Large providers such as Vodafone, BT, or O2 are strict when it comes to the test criteria. They can afford it because they have millions of customers.
Smaller providers, on the other hand, cannot afford to be so picky. You try to get as many new customers as possible in order to establish yourself or keep yourself in the market. With them, customers with bad credit rating reports have a real chance of getting a high-quality mobile phone.
Most of the companies on the market are reputable, but there are also black sheep who take advantage of an obvious emergency situation from customers and charge overpriced monthly fees for phone contracts bad credit.
It is best to search the Internet for appropriate providers. For a better overview and based on our experience in dealing with the providers, we have summarized serious offers in the following paragraph.
Installment payment – another option
There are some online stores on the Internet that offer their customers installment payments. Since the sums are relatively small individual amounts for the online store operator, the test criteria with regard to credit score and creditworthiness are not so strict.
There the customer can order a high-quality device such as the latest Samsung Galaxy smartphone despite a bad credit score, or an iPhone without a credit check and pay in convenient monthly installments.
If the mobile phone does not have a SIM lock, it can be used with any suitable SIM card. As a SIM card, you simply use one of a prepaid tariff. There have recently been interesting offers there whose prices can well compete with those of a tariff with a contract.
Check the credit score information for accuracy
This option can also be worthwhile. Millions of details are stored in the credit score files. Mistakes and mistakes happen again and again. Sometimes the data is wrong or old, negative entries have not been deleted. Every citizen has the right to request a free self-assessment from credit score once a year.
This means that he knows what is stored about him at the credit score files and can request a correction or an update if necessary. Once the credit score data has been cleared, nothing stands in the way of signing a regular contract mobile phone.