Friday, August 14, 2009

Guaranteed Mobile Phone Contracts


With more and more people in the UK having trouble with bad credit history, many people are asking about the possibility of guaranteed mobile phone contracts. The truth is, is that they do exist and there are a number of companies online who can help you get a guaranteed acceptance mobile phone contract - no matter what your credit history.

If you are suffering from credit problems, then this may sound like the ideal solution. Guaranteed mobile phone contracts usually involve no credit checks, and as long as you are over 18 and in full time employment, then you are virtually guaranteed a contract mobile phone.

However, before you start searching for websites that offer such deals, you should be aware of some important points.

Although the offer of guaranteed acceptance contract phones may sound like the perfect solution, there are some disadvantages to these types of deals - primarily the cost.

You see, there are a whole host of companies who specialize in providing products and services to people with poor credit for items such as loans, mortgages, car finance etc. The one thing they all have in common is that they are all very expensive. Understandably, these companies charge higher fees because of the risk in providing credit to people who have bad credit.

This is exactly the same with guaranteed mobile phone contracts.

You will find:

- The calls, texts and monthly line rentals are more expensive

- You have to pay a large upfront deposit

- You are limited in the range of mobile phones to choose from

- Contracts are usually for longer periods (18 months or more)

- You are charged high interest rates

These are all important factors to bear in mind and you should not be forced into paying more than you can afford just because you have had problems in the past.

So what is the alternative to guaranteed contract mobile phones?

Mobile phone networks and companies are aware that many people in the UK have debt problems, and some are becoming much more flexible when reviewing phone applications. Some companies will still allow you to have a standard mobile phone contract (given to people with a healthy history), as long as you can pay a deposit upfront.

So before you sign up to an offer of guaranteed mobile phone contracts, make sure you have explored all the possibilities available to you first.

For a list of mobile phone companies who can provide contract phones to people with poor credit, visit Bad Credit Mobile Phones for more details.

Mobile Phones With Bad Credit

Searching for contract mobiles phones with bad credit history can be a pain. Whenever you apply for a phone contract, most companies will require that you pass a credit check - so what happens if you have either bad credit history or none at all? Where do you go to get contract mobile phones?

With bad credit on the increase thankfully there are numerous retailers on the Internet who are able to provide you with a contract despite your previous history. If you choose to use one of these companies that supply mobile phones with bad credit history, you should know that there are basically two types to choose from:

-The first is the type that requires no credit check at all.

-The second type will require a credit check but they will have a low credit approval score.

Those companies who do not require a credit check will guarantee your acceptance. However, they will be both expensive and restrictive in the following ways:

1. You will have a limited option of phones from which to choose.

2. All of your fees are going to be higher.

3. You will be locked into a longer contract period.

A cheaper, better option is to try to get a phone through a company that has low credit approval ratings. These companies are more likely to accept people with bad credit history on condition that an upfront deposit is paid. Depending on your own history, this deposit amount will vary.

They may not be able to offer you a mobile phone contract if you have severe bad credit history, in which case perhaps contracts with no credit check will be a better option for you.

For a list of mobile phone companies who can provide contract phones to people with poor credit, visit Bad Credit Mobile Phones for more details.