Certain different companies have their own credit score criteria when approving mobile phone contracts. Though all organizations source their information from the main credit reference agencies in the UK, they may have varying standards for what they consider low credit to be. Hence, a particular score may get you a smartphone on one carrier, but may not get you the same handset on another carrier. A credit check is done before any new mobile contract plan is approved, so it’s important to consider carefully the kind of smartphone and plan which you should apply for in order to maximize your chances of approval.

Signing up for a mobile phone contract usually entails meeting a few minor primary requirements:

  • Minimum age of 18 years.
  • For O2, you must possess a bank account in UK.
  • You need to have a proof of residence.
  • Along with that, for the bills, you can also accept Direct Debits.

A refused contract is rare, and happens only when the customer has a very low credit rating. However, customers with a bad credit rating can still get a mobile phone contract, but this usually entails a compromise in terms of the type of smartphone, or in terms of posting collateral. You can be asked to pay a deposit that will be reimbursed if you can manage to pay for the first three months on time. If you wish to get a high end smartphone with O2, it may be a good idea to start off with a medium or low range handset first, build up your credit score and then get the latest model on contract.

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