| The hottest new mobile phone is one piece of | | | | allows them to find out if there's any reason for them |
| technology that tempts all kinds of people. Whether | | | | to think of you as a credit risk. |
| you're an iPhone fan, you're completely in the | | | | If you're hoping to take out a mobile phone contract |
| Blackberry camp or you're simply after the neatest | | | | and get your hands on the latest mobile, then it's a |
| new smartphone, you certainly aren't alone. | | | | good idea to order a credit report first - that way you'll |
| Anyone looking for high end or fashionable phones will | | | | be able to find out if there's anything on there that |
| be well aware of how expensive they can be, and it's | | | | could affect the decision. There are a number of things |
| this expense that tempts many people to leave | | | | that can affect your credit score and how suitable |
| pay-as-you-go models behind in favour of pay monthly | | | | lenders find you. |
| contracts. When people sign up with a mobile phone | | | | For example, your credit report takes a note of how |
| provider for their contract, the provider often offers | | | | often your rating is checked by lenders and frequent |
| them free - or greatly reduced handset - to sweeten | | | | checks can make it seem as though you are over |
| the deal. This means a contract is one of the most | | | | extending yourself. Therefore it's a good idea to only |
| popular ways for people to get their hands on a new | | | | apply for credit when and where you really need it. If |
| phone. | | | | you do try and apply for credit and are then turned |
| However, securing a mobile phone contract is | | | | down, it's important to find out what the problem is and |
| sometimes more easily said than done. Because you | | | | not try again somewhere else until you've taken steps |
| are entering into a credit agreement by signing up for a | | | | to rectify the problem, as multiple turndowns also |
| monthly contract, the mobile phone provider wants to | | | | negatively affect your credit score. |
| be sure that you are a reliable source. This means that | | | | There are a number of ways for you to improve your |
| if you try to take out a contract, you will be assessed | | | | credit rating, from addressing past problems to making |
| for suitability first. One of the most common ways in | | | | sure your correct details are listed, but the first step is |
| which phone providers decide whether to take out a | | | | getting a credit report and finding out what creditors |
| contract with you is by checking your credit rating. This | | | | are able to find out about you. |