Steps when applying for a no credit check mobile phone

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The term “no credit check” is indeed sweet music to the ears of many individuals with a poor credit rating. It makes them bold enough to go ahead and apply for a phone contract without having to worry about rejection. While no credit check mobile phones are fashioned as guaranteed phone contracts with little or no room for rejection, the type of deal as well as the benefits that a person enjoys is solely bent on how they go about applying for the same. That said, it is one thing to apply for a no credit check contract and it’s another thing to do it smartly.

There are indeed a number of steps you should follow when applying for a no credit check mobile phone contract.

Research

It would be foolhardy or rather incredibly stupid to give the aspect of research a wide berth when applying for a no credit check mobile phone. With so many providers out there all promising to deliver you heaven, doing some research will do you good. Don’t just apply with any provider promising you great benefits within your community. Take to the internet, do some background research and if need be, seek for some recommendations from friends. The bottom line is, always endeavour to make an informed decision backed with research.

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Choose a company with a solid reputation

The whole idea of doing research is to be able to pinpoint a company with a solid track record and reputation. There is a reason as to why http://www.phonesworld.co.uk/ is a well-respected name in the mobile phone contracting industry. One of the major reasons people choose it for all their mobile contracting needs is because of its solid track record and reputation. As such, it is important that the company you ultimately settle for should be one that has a good reputation and a solid track record in terms of excellent service delivery to its customers.

Negotiate

Don’t be misled to believe that haggling can only be found in the marketplace. No deal you are being provided with is cast in stone and if you play your cards right, you could actually negotiate for yourself a better contract. Research competitors and approach the negotiating table backed with facts and figures. Explain why you should get a better deal and back your explanation with facts. Dangle the loyalty carrot and am sure your efforts won’t be in vain.

Read the fine print

The last step before you sign the contract is to read the fine print. Don’t take the provider’s word for gospel truth as most of them tend to sing the music that is sweet to your ears. Take time to scrutinize the fine print and only sign if you are contented with the terms therein. It is better to be safe than to be sorry a few months down the line when you suddenly realise there were hidden charges.

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No credit check mobile phones – how to go about applying for them

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No doubt, financial problems here and there are bound to crop up every once in a while. You could find yourself unable to pay a bill or even miss a credit card payment. While this is normal, the effect is that all these missed payments will negatively influence your credit score. The contemporary world that we live in is such that those with a stellar financial history have the upper hand and preferred by financial lending institutions and mobile phone providers as compared to those with a troubled financial history.

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In other words, if your credit rating is not attractive, your chances of getting accepted for a mortgage or a traditional contract is virtually impossible. You will have to deal with rejections after rejections which at times could take a toll on your self-esteem. However, what many financial lenders and mobile phone providers in the past didn’t know or rather simply played ignorance to was the fact that having a poor credit rating is not always entirely a person’s fault. Not all individuals with a poor credit rating are financially irresponsible or have missed payments in the past because of imprudent financial planning.

There are those who were financially responsible but certain unexpected occurrences made them miss a payment or two. Individuals who all of a sudden became incapacitated, lost their jobs and could not service their monthly repayments cannot, in all honesty, be regarded as financially irresponsible. Unfortunately, that’s the way the system saw them. Such individuals had no option but to resort to bad credit loans that attracted high-interest rates not to mention that they had to part with a substantial amount of money as a deposit before they could be accepted for a traditional mobile phone contract.

It is no wonder then that the introduction of no credit check mobile phones was a game changer not only in the UK but also in other parts of the world. As the name implies, this is a special phone contract type designed solely for individuals struggling with a poor credit score. It was more or less introduced with the aim of bringing about equality between individuals with a healthy credit score and those with a poor credit rating. However, in as much as these contract phones continue to enjoy immense popularity across the UK, there is a standard form of procedure that all applicants should adhere to if they want to get the best deals. In other words, to improve chances of acceptance for no credit check mobile phones, one should take the following into consideration when applying.

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For one, you shouldn’t just engage any provider that promises to accept your application irrespective of your credit score. Ensure that you go for companies that have a high acceptance rate. Companies offering bad credit mobile phones with a high acceptance rate boost your chances of being accepted. Secondly, you need to choose a company that has a proven track record in addition to having a high acceptance rate. The customer service should be top notch, conflict resolution mechanisms seamless, not to mention that the deals on offer should not only be affordable but also tailored to meet your specific needs.

Thirdly, go for a no credit check mobile phone company that has your best interests at heart. Such a company shouldn’t be fully concerned about making profits but should rather take their time to educate you about no credit check mobile phones and how the same can positively or negatively influence your life. Last but not least, don’t be the kind of person that accepts whatever is put on the table without negotiating for better terms. Always try to push your luck and remember to read the fine print prior to accepting the terms of the contract. Take your time before signing on the dotted line.

Who should consider applying for a no credit check mobile phone?

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Bluntly put, no credit check mobile phones are primarily meant for individuals with a poor credit rating. That said, anyone can apply for a no credit check contract if they so wish to. The only difference is that those with a perfect credit score see no need as to why they should deal with high-interest rates and a long lock in contract period when the state of their credit score can afford them better terms under a traditional phone contract. The bottom line is, no credit check mobile phones have indeed changed the lives of many people not only in the UK but also in other parts of the world. For those who are clueless, no credit check mobile phones are ideal for the following classes of individuals.

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Those who had filed for bankruptcies in the past

No doubt, bouncing back from bankruptcy can be a herculean task. Add to that the fact that such individuals are tagged as financially irresponsible and you get to understand why they never get approved for a traditional mobile phone contract. However, a no credit check mobile phone is not a long shot for those who had filed for bankruptcy in the past. Given that credit checks are not an issue, such individuals can apply for a phone contract and have high chances of acceptance.

Those with a history of court county judgments

However you look at it, those with a history of court county judgments (CCJ’s)can never be accepted for a conventional phone contract. They are deemed risky and the only time they can be considered for a traditional phone contract is if they pay a substantial amount of deposit upfront. Luckily for this class of individuals, a no credit check mobile phone is the perfect product for them.

Those with a history of arrears as well as defaults

If you have a well-documented history of arrears and defaulting, the best bet for you is going for a no credit check mobile phone. With this type of contract, you won’t have to worry about credit checks or the need to part with a hefty amount of money as upfront security payment.

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In a nutshell, the fact that you have a poor credit history is not permanent. With a no credit check contract, you can indeed redeem yourself even as you enjoy the benefits that come with a bad credit mobile phone!

 

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