Hey there! Sign in to join this conversationNew here? Join for free

Getting a Contract at 18 with no credit-history, in your own name Watch

    • Thread Starter

    How am I meant to get a phone contract at age 18 if I have no credit history and no parents to put in their name?

    My phone was recently pick pocketed it had long expired its contract and was on a rolling SIM only contract. I tried the other day to get an iPhone 6 on the Vodafone network for £34 a month, however I was declined by both Vodafone and EE networks. I believe this is because I have low credit history as I have never taken anything out on finance, however I need a working phone so am unsure what to do.

    I do not have parents that can put the phone in their name and would not like to put it through any friends or other relatives names as it's a two year contract and I would prefer to pay for it through my own name, which will also help to increase my credit history.

    Anyone who has been through a similar situation or remembers how they got their first phone contract or likewise, it would be great to know how you did it.

    Cheer Lois

    Hey there Lois, There is a way round this problem, and you have mentioned it briefly but im not sure if you have considered this.

    To get my first contract, I put the contract in my then girlfriends name and bank account, and then instantly swapped the contract over to my name and my bank account. This seemed to work well for me, but then I have never had bad credit as far as I know.

    The point being that there are less checks when it is simply a change of bank account rather than initially opening the contract.

    Although as you said, you do have bad credit history, and there are some check whenever you swap the account, so I cant vouch for whether you will be successful this way.

    The other option obviously, is just to buy the phone outright (getting a refurbished phone you can get pretty good deals) and then just get a sim only contract or something similar to what you used to have.

    Best of Luck!
  • See more of what you like on The Student Room

    You can personalise what you see on TSR. Tell us a little about yourself to get started.

  • Poll
    Has a teacher ever helped you cheat?
    Useful resources
    Bizarre things students have spent their loans onThings you should budget for at uni

    Sponsored features:

    Making money from your own website

    Need some cash?

    How to make money running your own website.

    Bianca Miller, runner-up on The Apprentice

    Handle your digital footprint

    What would an employer find out about you on Google? Find out how to take control.

    Groups associated with this forum:

    View associated groups
  • See more of what you like on The Student Room

    You can personalise what you see on TSR. Tell us a little about yourself to get started.

  • The Student Room, Get Revising and Marked by Teachers are trading names of The Student Room Group Ltd.

    Register Number: 04666380 (England and Wales), VAT No. 806 8067 22 Registered Office: International House, Queens Road, Brighton, BN1 3XE

    Write a reply...
    Reputation gems: You get these gems as you gain rep from other members for making good contributions and giving helpful advice.