Securing a good bad credit mobile phone deal can be a very tiresome experience for an individual, especially when you have an abysmal financial situation. There are a lot of risks involved. You don't know whether you will be able to keep up with repayments till the end of the contract. Generally speaking, you should prefer opting for a prepaid mobile phone or improve your credit score until you can apply for a contract mobile phone that you like. Firstly, you need to know where your credit score stands. That can be checked through one of the credit reference agencies or you can apply for a free credit report online. One of the best and most hassle-free ways to check your credit report is to get a free trial with CreditExpert. Go visit their website and you will be given access for 30 days.

In order to help you out, below are given few tips that will increase your chances of getting approval for a contract mobile phone despite of your bad credit history.

Do a lot of research

The first thing you need to do is to conduct a proper research before you sign a contract because the last thing that you would want is ending up with a contract that is more of a burden than a relief. By comparing different deals provided by different network providers, you get to choose from a wide array of deals and settle for the one that suits your circumstances perfectly. A few things you should look over while researching are how good the reviews and testimonials by customers about the company are, their level of responsiveness to your queries, their representatives' attitudes etc. This helps you secure a contract that not only fits your budget but is good for you in all aspects.

Apply for a cheaper, low end handset

For starters, it would be a wise move to settle for a low end, relatively cheaper mobile phone since these are generally considered less risky by various network providers. If you start seeking a high end phone right from the beginning, chances are that your application will be straight off rejected.

Opt for a SIM only contract

This is another wise option that hugely increases your chances of getting accepted. These deals are handset-free and the customer enjoys same benefits as an ordinary postpaid subscriber. With a SIM only contract, the risks are drastically reduced and huge amount of money is saved.

Arrange a direct debit

One thing more you can do to gain your provider's confidence completely is setting up a direct debit. As Wikipedia explains, direct debit is an arrangement you make with the bank where you involve a third party and withdraw funds from their account to pay the bills. This way the network providers would feel safe to sign you on board and your chances of getting a contract mobile phone will be increased drastically.