Do Not Let Bad Credit Limit Access to the Best Phone: Use These Strategies

Having bad credit in the UK is like lying on a death bed. No institution wants to be associated with you because of the high risk involved. Banks will decline your loan application while mortgage companies will trash your proposal at the earliest possible instance. This is not all; even insurance companies will fix you in a different category to lower the risk involved. However, the most significant of these limitations are those put by phone companies. They will look at the credit score report from all angles and ensure you do not get the anticipated phone.

However, all is not lost for clients with poor credit score. In this post, we look at the three most effective methods of getting the best phones with bad credit.

Use a co-signer with a good credit score

While most phone companies will not want anything to do with you because of the high risk involved, bringing a third party with a good credit score is a great idea. The phone company will give you the anticipated phone but will turn to the co-signer in case you default.

Here, you need to give the co-signee assurance of completing the payment on time. It might be crucial to demonstrate some goodwill by authorizing your bank to deduct the monthly payment and remitting to the phone company. Besides, many co-signers are also willing to keep the risks as low as possible. This means that you might have to raise some down payment before agreeing.

Buy from a no credit check company

As the focus on access to good phones shifts to personal credit, new dealers have entered the UK market and are offering no credit check mobile phones. This means that even people with very poor credit score can still access the phones of choice without getting rejected. To take the involved risk, the bad credit mobile phone companies raise the prices of various phones.

It is important to carefully review the selected bad credit mobile phone dealer, make sure to carry due diligence to establish if they are allowed to operate by law and are committed to customer value. Follow back to read what past clients have to say about the dealer’s services. If the services were good, you can buy from them and anticipate similar success. Besides, make sure to check the phones available to view here in order to ensure your preferred model is available.

Raise some down payment to reduce the risk

The main objective about accessing the best smartphone with bad credit is lowering the involved risk. Many companies insist that borrowers have to raise about 25% of the phone price to get considered. The objective is ensuring that the risky party only holds a small amount that cannot compromise a company’ operations if he defaults.

Accessing the latest smartphones with bad credit can be an uphill task for people with bad credit. However, these three methods make the companies view clients differently and give them the phones they want. Note that you should embark on a vigorous strategy to redeem the poor credit score so that future applications will not get declined. Remember that improving the credit score will work wonders because even banks, mortgage companies, and insurance firms will not turn you away.



Five Phone Properties You Must Focus On When Looking For Bad Credit Mobile Phones

Mobile phones are no longer simple communication gadgets. Some are more complicated than the desktop computers. They are special hand held computers with unique capabilities to communicate, record, store, and even carry complex diagnostics. Unlike in the past, people can now prepare projects and make presentations right from their smartphones. Though people with bad credit have to get content with what the seller has to offer as opposed to the latest phone deals, here are five most important things to look for in a bad credit mobile phone.

The phone operating system and storage

A phone is as good as the system that runs it. Most of the top phones run on Android OS, IOS, or windows. You should look for the phone operating on the latest operating system to enjoy better performance and enhanced security. Besides the good operating system, the selected phone should also have a large storage capacity to house all personal documents, photos, videos, and various apps. Though you should regularly backup all the data, a phone with a large memory is an invaluable asset to the user.

A large and quality display

In the past, having a phone with a big screen was unnecessary. However, smartphones today are used for the complicated display such as 3D videos, high definition images, and advanced applications. It is, therefore, important to ensure you go for a bad credit mobile phone with a full HD and large 4.0 to 5.0 inches screen. This will ensure that the phone is comfortable to hold, fits in the pocket, and is not too large.

The smartphone camera

The phone camera is the defining feature that no one wants to get wrong. The camera is used to capture images and make the best videos. Whether you are traveling for a holiday in the Mediterranean or Caribbean, all picturesque sceneries will be captured and stored on the phone. The camera is also used for reality vision application such as the latest Pokemon Go games. The best camera to consider should be strong, easy to draw and use. Though any smartphone with more than 10 AMP should be okay, a model with the software assisted camera will be better.

The phone design and inherent quality

The design of the selected smartphone is very important. You want a smartphone designed to deliver extra strength and durability. The focus at this point should be a high-quality body and special screen. The best to consider include a water proof design, scratch resistant screen, and lovely design. While these qualities might be available in the high-end smartphones, they are worth considering because they make the device to look stylish and valuable.

The phone battery

While all the other parameters are very important, they will become inconsequential if the phone lacks power. You need to pick a smartphone with a very strong battery that can last for more than 24 hours when used optimally. This means that you will have ample power to run the phone the whole day and recharge it in the evening. Make sure to read through the manufacturer recommendation for ensuring the battery lasts longer all the time.