Can you get a contract phone with no credit check on next-day delivery?

As a whole, it’s quite difficult to get a mobile phone on a contract without undergoing a credit check. However, some are more in-depth than others. Handsets with a higher cost, like smartphones, often involve hard credit checks, leaving those with poor credit reports without a phone deal. 

Or so this used to be the case. Boshhh provides SIM-only deals to those who need it the most - even those with low credit scores - without the tedious wait. Here’s what you need to know. 

what is a credit check?

A typical credit check includes: 

• Application information - your name, address, employment status, income and outgoings

• Account history - what type of accounts you’ve managed in the past

• Credit report - your borrowing history, current overdraft (if any) and financial links

• Other - being on the electoral register, any court records and previous credit checks you’ve undergone 

why you might get turned down for a phone contract application 

Frustratingly, those who don’t get approved for a phone contract aren’t often told why. Here are some of the most common reasons why:

• Bad credit history 

  • If you’ve had numerous hard credit checks in a short space of time, it shows possible lenders and contract providers you are reliant on credit, suggesting you’d struggle to make full and on-time payments. 

  • Any county court judgements (CCJs), individual voluntary agreements (IVAs) or bankruptcy orders can stay on your report and also indicate you’ll have trouble keeping up with payments. 

    
    

• Missed payments 

  • Missing the deadline shows possible lenders you can’t budget your income.

    
    

• Change in address 

  • If you aren’t on the electoral register or move around regularly so can’t remain on the register, your identity and address can’t be proved. 

    
    

• No bank account 

  • If you don’t have a debit or credit card, you’re seen as an unreliable customer who won’t be able to pay off mobile phone contracts. 

can I get a phone contract with bad credit?

Not all networks and phone providers offer contracts to those with low credit - and, if they do, only cheaper options are made available. Luckily, Boshhh - the credit-building mobile phone network - offers SIM-only contracts with no credit checks to everyone who applies. 

Dedicated to providing all customers with the tools that let them gain control of their credit reports and build a better financial future for themselves and their families. And the best part?

You can get approved for your contract instantly - no need to wait for your phone to be delivered - giving you more freedom to choose your favourite smartphone, without the typical lengthy wait. To start reaping the benefits of Boshhh, opt for an E-SIM when choosing your data plan for instant credit building. 

empower your financial future with Boshhh

If you’ve had issues in the past, or have a low credit score, it can be difficult to gain the confidence to try again. Why not try our bad credit phone contracts?

With Boshhh’s SIM-only deals, you can improve your credit score - by an average of 140 points in the first 3 months - and have access to our expert tips and tricks on how to bring financial flexibility into your life. 

Start building your score today!