Who Should Apply For No Credit Check Mobile Phones?

The hasty generalization out there is that no credit check mobile contracts are for people whose credit score is in doldrums. The fallacious belief has been that this kind of contract is designed specifically for people with a history of defaults or CCJs. This assumption or belief does not hold any truth. While it’s true that such individuals qualify for no credit check mobile phones, the unilateral belief that no credit check mobile phones is simply designed for them does not hold any water. It’s simply an incorrect argument. The truth of the matter is that there are other groups of people who can also make use of no credit check mobile phones. Who are these?

Individuals wishing to build their credit score from scratch

Did you choke on your coffee on reading that? Were you like, what the hell is this guy talking about? If yes, then let me let you in on a little secret. Having no credit score to talk about is just as worse as having a poor credit rating. Lenders and mobile providers use credit scores as a way of determining how you’ve handled your finances in the past. As such, if you don’t have a credit score, it means that they have no way of determining whether you are prudent in handling finances or not.

The resultant effect is that you won’t be approved for a loan or even a mobile phone contract. So how can you build your credit score from scratch when all other standard mobile contracts are hell bent on credit checks? The available option is of course to go for no credit check mobile phone contracts and build your credit score from scratch. However, you need to pay your monthly obligations diligently and without defaulting if you want to build a good credit score that will help you in the future to get a good deal.

Individuals wishing to rebuild their bad credit rating

To rebuild your credit score from bad to good, you need to take active measures rather than sitting back and hoping for the best. One of the ways in which you can rebuild your credit score is by applying for no credit check mobile phones contracts. Considering that these contracts do not insist on credit checks, you will be easily approved. Once that is done, the next course of action is of course to ensure that you pay your monthly obligations without defaulting. Gradually, this will reflect on your credit report and of course improve your credit score with time.

Guaranteed mobile phone contracts

Additionally, if you have a poor credit rating, you can also apply for guaranteed mobile phones contracts. This kind of contract assures you get an approval irrespective of how bad your credit score is. They also do not utilize credit checks to deter or deny a UK citizen approval. However, there are a number of UK providers who insist that you must pay a small amount of money as upfront payment before you can be approved.

In light of the above, it’s clear that "no credit check mobile phones" are not the only answer to UK citizens with a poor credit rating. A person can choose to also apply for either guaranteed mobile phone contracts or bad credit mobile phones.