Poor credit mobile phone contract – are there pay monthly savings to be made?

The problem with having a poor credit history is that the impact on you can be worse than the impact on the lenders that you have defaulted on! For example, with mobile phones the value offered by a £45 a month pay monthly 02 iphone tariff is massive, compared with buying a much less expensive phone on pay as you go and spending £45 a month on top-ups.

Also, most of the UK mobile operators do not support some handsets very well on prepaid tariffs. The best example is blackberry where people with a poor credit rating cannot get a pay monthly contract, and its only orange that will let you have a blackberry on pay as you go.

Some £45 a month contracts offer as many as 1200 minutes as well a effectively financing the high value of the handset.

No credit check iPhone 3gs?

The only way to get a no credit check iphone is to get it on prepay, as 02 do run credit checks and if you have a poor credit score they are likely to decline you. You may be able to buy the iphone your self and then get a sim only deal from one of the networks where the credit scoring is very lax and most people will pass. There are the only sort of poor credit rating pay monthly contracts you can get, as the mobile network is not factoring the price of the handset for you.