Britain is a nation of mobile phone users – it’s hard now not to agree with that. Figures vary but it seems that around half the population currently owns a smartphone – just look at people sat on buses, or in cafés glued to their smartphones.
And it’s highly likely we are going to use them even more in the future – for everything from booking hotels to making payments by simply tapping our phone against a sensor, with online sales via smartphone or tablet soaring all the time.
The mobile phone market is hugely competitive, which can be great for the consumer because it means there are all sorts of attractive deals available.
But with handsets worth hundreds of pounds included as part of a 24-month contract, they also need to be comfortable that you are going to make your monthly payments on time each month.
So applying for a mobile phone contract is not really much different than applying to a credit card provider or a bank – they are normally going to look at the information on your application form and in your Experian credit report to give you a credit score.
Your credit report includes things such as whether you have kept up to date with payments on current mobile phone contracts and credit cards, the total level of credit that you already have, and whether you are on the electoral register, which proves you live where you say you do.
The credit score the mobile phone network gives you is a guide for them to decide whether to accept you as a customer or not – the higher your credit score, the better your chance of getting that brand new phone is likely to be.
So if you are thinking of applying for a new phone deal, you may want to check your Experian Credit Score, to get an idea of how you are likely to be viewed, and then start doing whatever you can to improve it. After all, no-one wants to be left behind tapping away at a phone from ancient history!
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