Do I need a credit check to get a SIM Only deal?

If you have been refused handset contracts due to bad credit, you could be accepted as a SIM Only customer instead.

The cheapest contracts only require a minimal credit score and can be a good way to improve your credit rating over time.

Pay-as-you-go (PAYG) SIMs don’t require a credit check, and neither do most short-term 30-day contracts.

If you’re signing up for a longer term contract, say six or 12 months, it’s likely you’ll be put through a credit check.

A contract that includes a handset will demand a higher credit score than a SIM Only deal.