Check eligibility for phone contract - are you eligible for a phone contract?

If you’ve had issues with your credit report in the past or have been denied a phone contract, it can be hard to get back on the horse and apply again. But how are you meant to know if you’re eligible?

Luckily, the Boshhh team is here to give you more information. Learn about the standard requirements for getting approved for a phone contract and how our risk-free alternative SIM-only contract with no credit check can help you below! 

what are the requirements for getting a phone contract?

When it comes to getting a phone contract, there aren’t necessarily any set requirements. Instead, providers will look at your credit rating and payment history, to prove you can afford the monthly costs.    

what is a credit score?

Different credit agencies have different scoring systems, but as a general rule of thumb, it is a number between 0 and 999 given to each individual. It reflects their financial responsibility and experience with credit. They’re looked at by potential lenders and credit/finance providers to determine the level of risk and whether to approve your account request. 

what affects credit scores?

payment history 

Paying loans back on time and in full helps build your score and shows you can manage your budget. However, a single payment that’s more than 30 days past the due date can stay on your credit report and lower your score. 

credit utilisation 

Too much reliance on credit suggests you don’t have the income to keep up with payments for borrowed money. Try and keep your credit utilisation below 30% for a higher chance of being approved by phone contract providers. 

length of credit history

Issues in your finances can stay on your report for up to six years. And, while companies often look closer at more recent activity, serious problems in the past may skew their decision. 

applying for credit often 

Hard credit searches are in-depth and thorough checks done on your account when you apply for loans and finance agreements. Too many of these in a short period flag up on your credit report and indicate a heavy reliance on borrowing money. 

how to check if you qualify for a contract phone

Each network provider has different policies. So, if you have one you’re particularly interested in, check out their website for more information. 

It’s worth noting that if your request gets denied by one provider, other, more lenient ones are available. However, if you can, don’t apply for too many phone contracts in a short space of time, as all these hard credit checks will add up and affect your credit report. 

am I eligible for Boshhh?

We don’t believe in strict eligibility criteria here at Boshhh. Designed for those with credit issues, we’ll approve all customer enquiries - regardless of credit score - to help connect the unconnected. 

It’s easy to do, too! All you need to do is choose your preferred plan out of our four data options, whether you want an E-SIM or physical SIM, and start building. Simply fill out the required fields and await your payment confirmation. Then, you can start enjoying your financial freedom!

But, unlike other phone providers, with Boshhh you’ll have access to exclusive tips and tricks on how to improve your credit score further. 

Get your bad credit phone contract today and watch your credit score grow.