Quick Answer: Do You Need A Credit Check For A Phone Contract?

Can you get a phone contract with bad credit?

Having a poor credit history doesn’t mean you’re not eligible to take out a mobile phone contract.

What it does mean, however, as with any other type of credit (like a loan, credit card or overdraft, for example), is that you may be less likely to be given the contract in the first place..

Who is the easiest to get a phone contract with?

The “Easiest” NetworkEE: 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.More items…•

What do phone companies look for in a credit check?

Your mobile network will contact a ‘credit reference agency’ to verify your identity and to determine your financial history. … You’ll need some form of UK credit history or financial history. You’ll ideally need to be on the electoral roll at your address.

Do three do credit checks?

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.

Will I get credit checked to upgrade my phone?

Upgrading from one handset contract to another will not produce a credit check.

Does o2 do credit checks?

Yes, we do credit and anti fraud check on our orders. To carry out a credit check, you need to have your bank account details and a debit or credit card. We’ll also ask you for your address history. If you fail our credit check, you can write to the company we use for Credit checks.

What credit score do you need to get a phone contract?

There’s no minimum credit score to get a phone contract. Every network operator scores you differently—so even if one network won’t give you a contract, you might have more luck elsewhere. Having bad credit doesn’t stop you from getting a phone contract, but it might make it harder.

What cell phone company does not require a credit check?

T-Mobile ONET-Mobile ONE™ No Credit Check. T-Mobile ONE Prepaid. Simple Choice. Simple Choice with No Credit Check.

What phone company is best for bad credit?

Top 10 Best Cell Phone Companies Financing Bad CreditVerizon AllSet Prepaid Plans. … AT&T GoPhone Plans. … T-Mobile Simply Prepaid. … Sprint Prepaid. … TextNow Wireless 2 GB LTE. … Tello Plans. … Xfinity Mobile by the Gig. … Spectrum Mobile by the Gig.More items…

Will I be accepted for a phone contract?

If you want to get a mobile phone on contract the network will most likely check your credit score. Fortunately though, mobile phone contracts are among the easiest things to get accepted for, even if you have a poor credit history. Remember that mobile phone networks need to sell contracts.

Are cell phone credit check hard or soft?

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.