I think it was 10p. Any recurring monthly charges you have, like insurance or Add-ons, will be carried over to your new plan. due to a bad credit score, recently moving to the UK, being under 18 or not being listed on the electoral roll). For more information, see the MoneySavingExpert guide to checking your credit report. Contact us or visit us in-store. The first step is buying your new mobile phone without taking a new contract. Yes, a credit check is always required to join Plusnet Mobile. Ken, 02 sim free after 3 months paying each month will get u a upgrade to phone without credit check as ive got bad credit and after 3 months of 3 payments i got galaxy Note 10+ without credit check. Hi Sean, You should also check your credit record if you have any possible concerns. Yes, a credit check is normally required to join Tesco Mobile. If you have a Mobile Broadband SIM, you can upgrade using My3 or the Three app. If you pass, it shows the account is live and has funds. Yes, a credit check is normally required to join EE. We also share information about your use of the website with social media, advertising and analytics partners. My passion is helping people to get the most out of their mobile phone. Just hit Can I upgrade? For that reason, they won’t report your payments to the credit reference agencies. The thing is my credit history is not great. I think it was 10p. ... Now, you just have to login into your account to check your Three credit. If you need to undergo a credit check, this will take place during the order process. The full retail price for this is around £999 if you were to buy it upfront without credit. Please let me know by e-mail when there is a reply to my message. Or, if you're joining us from another network and want to keep your number, find out more about switching to Three. Change your price plan without upgrading. To illustrate this, imagine you’re buying the latest iPhone on a 24-month contract. But seeing as your problem hasn't been fixed, you can still get help. We’ll look at the policy on each UK mobile network and what a credit check will involve if you need to undergo one. I am not on the electoral register either. Yes, a credit check is normally required to join Three. This app is available at Google Play Store and iTunes for free. Ken's Tech Tips is reader-supported. The following table shows a selection of “no credit check” SIM cards that are currently available for £10/month: At present, we’d recommend the £10 deal from VOXI which gives you unlimited minutes, unlimited texts, 6GB of data and endless social data. This is where you need to be. Aside from writing about mobile technology, I have an interest in software development, digital marketing and physics. For this reason, many people decide to bypass the hassle of a credit check entirely by choosing an alternative deal without the need for a credit check. Based on the 3 SIMs I have from Three, the only credit check they do is to apply a small payment against your bank account debit card. We use cookies (from us and carefully selected partners) on our site. They also collate information from the electoral register, county court judgements (CCJs) and bankruptcy records. dont know if thats any help, but i dont think it gets any worse credit wise than bankruptcy! For instance, using a £150 handset on a £10/month price plan would cost you a total of £390 over 24 months (equivalent to paying £16.25/month over 24 months). Many of these are now available without the need for a credit check: you simply need to order a SIM card, top it up to get going and then place the SIM card in your smartphone. The following table shows a summary of the credit checks on each UK mobile network: * A credit check is required for most deals from this network, but there are some no credit check alternatives that are available. The three credit reference agencies collate information about your previous dealings with financial service products (including bank accounts, credit cards, mortgages, loans and utilities). However, you can upgrade by calling customer services on 333 from your Three phone, or 0333 338 1001 from any other phone. It will help us #makeitright by improving this page. For more information, please see our privacy policy. Not all UK mobile networks require you to undergo a credit check, and some mobile networks only require a credit check on some plans. The cost of your handset is re-paid through higher monthly bills over the length of your contract. Alternatively, you can skip this step if you already have an unlocked smartphone that you’re happy to use. The app is available free to download on Android, iOS and Windows, so if you’re on any major smartphone platform you’re covered. your phone number or credit card details. Are you ready for the next big thing? On a 24-month contract, the same handset is made available to you but with a much smaller upfront payment of £99 or less. 19 comments. In fact, many people now prefer these ‘no credit check’ deals as they can give you even better value and more flexibility than a 24-month contract. This will show you if you’re eligible for an upgrade. If you have time, you can check your credit record with all three providers. Keep browsing if you’re happy with that, or see ©2020 Hearst UK is the trading name of the National Magazine Company Ltd, 30 Panton Street, Leicester Square, London, SW1Y 4AJ. Each of the three credit reference agencies provides an online service for you to check your credit record with them. ... Based on the 3 SIMs I have from Three, the only credit check they do is to apply a small payment against your bank account debit card. To keep you secure, you can only access your Three account in modern web browsers. Does a sim only (Lebara 4.95 p/m) deal improve credit rating. The most stringent checks are on 24-month contracts with a new smartphone, with slightly lighter checks in place for a SIM-only deal. By continuing to access this website, you consent to the storing, accessing and sharing of this information. You’ll pay more for the handset upfront, but you’ll usually save money in the long-run as well as having lots of extra flexibility. The UK has three credit reference agencies (CRAs for short): Experian, Equifax and TransUnion (previously known as CallCredit). MoneySavingExpert guide to checking your credit report, Visiting Or Moving To the UK: Best SIM Cards & Using Your Cellphone, UK Mobile Coverage: Check & Compare Across Networks, Mobile Data Explained: Download Limits, Speeds & Traffic Management. I don't quite agree that he wouldn't lose anything. If you’re taking out a Pay Monthly mobile contract or SIM-only deal in the UK, you’ll sometimes need to undergo and pass a credit check. I've been blogging at Ken's Tech Tips since 2005. In the following table, we’ve listed SIM-only deals that you’re currently able to get without the need for a credit check. If you’re applying for a mobile phone contract that requires you to undergo a credit check, you should make sure you’re listed on the electoral register at your address. Mobile Broadband and Home Broadband upgrades. Once you have a SIM-free handset, you can take advantage of a low cost SIM-only deal. due to a poor credit score or being new to the UK). Showing 75 of 75 price plans that match your criteria. However, if you’re short of time, you can use the table above to prioritise which ones to check. When you buy through links on our site, we may earn an affiliate commission. The fastest way to upgrade is to log in to My3. I’d recommend getting a SIM card from giffgaff if you’re moving to the UK. how to manage cookies. Ken. When signing up for a new contract, you’ll normally be asked to provide: Depending on the results of this initial check, further questions may then be asked about your financial history (this is to help prevent ID theft). Typically, in order to pass a credit check, you’ll need all of the following things: If you aren’t able to pass all of the above requirements, it’s possible to use a mobile phone without the need for a credit check. In this case, however, the amount of credit being offered is much lower as there aren’t expensive handsets involved the process. All Rights Reserved. Three do credit check you and they also report your monthly payment activity to credit reference agencies. Alternatively, if you’re buying in-store, you may be asked to provide some physical proof of ID or address. We’ll be contacting customers when 5G Broadband is available in their area. The credit check could not have been easier! Yes, a credit check is always required to join Virgin Mobile. You’ll sometimes need to undergo a credit check when taking out a mobile phone contract in the UK. Listen now for interviews with the biggest soap stars and all the latest spoilers - available on every major podcast app , http://www.which.co.uk/money/credit-cards-and-loans/guides/your-credit-report-explained/how-to-improve-your-credit-rating/. I had 2 defaults about 2 years ago and I was accepted for a £35 per month contract with Three last month so there is no reason why your £15 per month credit check would fail. If you’ve failed a credit check or if you’re simply just curious about your score, it can be worthwhile checking your credit report. We'd love to hear your thoughts and any questions you may have. What platforms is the Three app available for? You can buy a SIM-free handset from retailers like Amazon, Argos, Currys and John Lewis. You’ll need a good credit score. The best way if you're worried is to call the sales number as you are more likely to pass than online and if they don't then they can accept you but give you a trial for say 3 months where they can monitor you and during that time you can't take out a handset contract. Getting Started. It’s technically a pre-paid product, not requiring a credit check. This applies to both 24-month contracts and to shorter SIM-only deals.. with regards to a credit check a friend of mine has just got a t mobile sim only contract (12 months) and was made bankrupt 15 months ago! The All In One 15 sim is a good one as you only need to pay cash. Your feedback is totally appreciated. Hope this helps, Introducing the Soap Scoop podcast! Your personal information (name, date of birth, marital status, etc), Your address (including previous addresses from the last 3 years), Your credit card or debit card details will sometimes be required (must be registered at the same address), Your bank account information might also be required (sometimes you’ll also be asked to provide additional information such as when you opened your account).