Been Refused a Mobile Phone Contract due to Bad Credit History?

We have six killer tips that will help you get accepted for a mobile phone contract, no matter what your credit history is like!

JANUARY 2011 UPDATE: Credit checks are easier now as networks are looking for more customers. Apply now to avoid disappointment and to have the best chance of acceptance.

Tip #1 – Apply At One of the Following Networks

The networks with the highest acceptance rates are below. Click to open the website in a new window…

1. Vodafone – Pass Rate: Very High (SIM Only)bad credit vodafoneWe recommend applying at Vodafone as the credit check is easier compared to the other networks. They also have some fantastic SIM Only & mobile phone deals which represent great value.

>>>Click Here to Visit the Vodafone site<<<

2. T-Mobile – Pass Rate: Very High (SIM Only)

T-Mobile is an excellent network with an easy credit check. Make sure you apply for a SIM Only deal if you opt with this network as this will give you the best acceptance.

>>>Click Here to Visit the T-Mobile site<<<

3. Virgin – Pass Rate: Very High (All Mobile Phone Contracts)

Virgin Mobile is an excellent choice to apply to if you want a mobile phone contract. They have exceptional acceptance rates on all deals with a great choice of handsets.

>>>Click Here to Visit the Virgin site<<<

Believe it or not, mobile phone networks have differing credit scoring policies which means some are stricter than others. From our experience you are more likely to be accepted with the networks above, so ONLY try Vodafone, T-Mobile and Virgin.

Tip #2 – Apply Directly at the Network

If you apply directly with the network itself (for example Vodafone) on their website or at their shop, you will have the best chance of acceptance. If you apply indirectly through a third party retailer (middlemen) such as Phones4U and CarphoneWarehouse, the credit check is a whole lot stricter. By going straight through to the network, the network will review your individual application.

Tip #3 – Apply Online

You should always apply online if you want a mobile phone contract. Firstly, there are better deals online. Secondly, the credit check is A LOT more relaxed. Many consumers are rejected in store, only to apply online and be accepted with the SAME network. Another advantage of applying online is that networks have the opportunity to review your application, and are unlikely to reject your outright. They will some times come and offer you a different deal, as opposed to a shop where you will be given a YES or NO.

Tip #4 – Go For a Lower Priced Handset & Tariff

This is a recommended tip and not necessary like the above three.

Applying for a lower priced handset or tariff will affect the likelihood of your application being accepted. Depending on  your chosen handset combined with the price of the tariff, the value of the contract will differ to the network. For contracts not valued as highly the credit check is easier as opposed to contracts valued highly. Choose a lower priced handset and tariff if you have a bad credit history.

For a mobile phone contract we strongly recommend Virgin Mobile.

Tip #5 – Go for a Sim Only Deal

Like Tip #4 this is highly recommended but not necessary.

As mentioned above, contracts are worth differing amounts to the mobile phone network. The credit checks on Sim Only contracts are MUCH easier as compared to the standard contract. Sim Only contracts are a new concept which provide you with the flexibility of a pay as you go sim card, but the benefits of a monthly contract tariff. It is the perfect combination.

Benefits are:

  1. More inclusive minutes and texts than a standard contract
  2. 30 day rolling contract, YOU cancel it when you want
  3. Keep the same number

You are not getting a handset, but the savings made normally more than make up for the price of even the best handsets. Many people get a Sim Only contract and buy the latest phones on Ebay with the money saved!

For a SIM Only deal we strongly recommend Vodafone and T-Mobile.

Tip #6 – There is No Better Time to Apply than Now

All mobile phone networks have collectively made credit checks easier due to the state of the economy. This is exclusive insider knowledge gathered from people who work for the network. Mobile phone networks are now “desperate” for new customers for more revenue. You can take advantage of this today!

It doesn’t matter if you have been rejected or refused for a contract phone in the past, as you can still apply and be accepted if you follow our tips. We get mail all the time from people just like you being accepted after stumbling on our site.

And remember it’s worth a shot – because you never know. Most of the people that have used our site were just like you in your position. Take advantage of the economy and our killer tips to Apply Now! Please submit your success story below if you have time….


Even if you have a bad credit history it is not all doom and gloom! Join the dozens of people who have successfully got a contract after following our advice…we recommend you try for a standard Vodafone contract. In the unlikely event you fail for this then try for a Sim Only deal with T-Mobile or a mobile phone contract with Virgin.

Click to visit Vodafone (recommended)

Click to visit T-Mobile (recommended)

Click to visit Virgin Mobile (recommended)

Other Networks You May Wish To Apply With If Your Credit History Is OK

Click to visit O2

Click to visit Orange

If you applied and were accepted, then drop us a comment below…

P.S – I must clarify that no one can actually guarantee you a mobile phone contract, and you should be skeptical of anyone who claims this. The tips above will dramatically increase your chances of being accepted even if you have a bad credit history. They really do work, but dont be fooled by anyone who guarantees you a contract…such contracts just don’t exist and never will!

16 Responses to “Been Refused a Mobile Phone Contract due to Bad Credit History?”
  1. John S says:

    Great tips here. i’ve got a terrible credit history, but Virgin accepted me although i didn’t got for the best handset in the world and chose one of the cheapest tariffs…… still better than what i’ve got at the momenet!

  2. K says:


  3. Jenny says:

    i just got a sim only contract with vodafone, thanks x

  4. Imran H says:

    Thanks for the advice on here, aboloustely works. I tried for a Sim only contract with T-Mobile and got accepted no problem. Didn’t know my credit history would allow for it, but I’m not complaining :-D

  5. christopher says:

    Brilliant, you are a genius

  6. JAMIE says:

    I Samsung Tocco Ultra Edition on a Vodafone £35 contract……YES PLEASE!! I got accepted and Im over the moon….can’t wait for my phone to arrive!

  7. Sarah says:

    Your tips are absoloutely fantastic because I was accepted for a contract with voda!! I can’t believe my luck….would you believe it if I told you Phones4u rejected my application on an orange contract? Everyone just has to to try this! Thank u!

  8. hannah says:

    This page is sooo helpful. I can finally get rid of my pay as you go sim card thanks to u!

  9. Rachel says:

    I got turned down by t mobile and told I could have it as long as I paid £100 pounds deposit, I tried Vodafone instead and passed! with a much better phone too!

  10. Lowri Matthews says:

    I wouldnt advise anyone to go with o2. they cancelled my insurance without telling me and now that my phone has been stolen they wont replace it as they say it isnt insured. So I cancelled the direct debit, does anyone know if i will get a bad credit rating for this?

  11. Jenny m says:

    Hey got accepted!!!!! And by the way if anyone is reading this…I have a terrible credit rating. Love this site

  12. Andy C says:

    Awesome got a great mobile contract with Virgin mobile!! Just got accepted and though i’d post here…thanks!!

  13. Jack says:

    woahh got accepted with Vodafone and got my sim only plann…going to keep up with payments, as heard I can updgrade to full contract after 3 months…as long as I pay on time.

  14. Robert says:

    I didnt use this website, but i used a little common sense n went for a sim only from tmobile, i knew i had no chance with o2 but i tried orange n they said no n then i tried tmobile.. now on my 4th month and very keen to upgrade altho i dont need to becuase i have a iphone 4 but i just want to try. maybe sell it on n use the contract.

    Anyways, folks use the tips especiall the “cheaper contract” and “sim only” as that normally helps.

  15. Admin says:

    Hi Robert – thank you for posting and that is great advice. If you opt for a SIM Only deal which is easier to get accepted for, and wait a few months with good payment history, it is very likely the network will allow you to upgrade to a full mobile contract.

  16. Dave says:

    I cannt believe it…a brand new phone on contract with Orange!…I applied online,and couldn’t believe it…because my credit rating is very poor

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