When you’re trying to buy a broadband package with a poor credit score, it can be a pain. This is because ISPs may check your history to see whether you have missed payments before.
If this is causing you a problem, you’re in luck, as we’ve put together a quick guide on how to get broadband without a credit check.
Your credit score is a rating given to you, which provides an overview of your creditworthiness. Each time you make or miss a payment, this feeds into your overall rating.
If it’s bad, companies will be less likely to extend services or lines of credit.
Unsure what yours is? The easiest way is to check on the Experian website, which rates you between 0-999.
Yes, but it is more difficult and will depend on a few different factors.
The first of these will be just how bad your score is. If you’ve faced serious financial troubles in your past and are down the lower end, you might find it more difficult, but that doesn’t mean that you won’t be able to find anything.
Those who have just missed a few payments are unlikely to be denied. It will generally come down to the ISP, with different companies having different criteria for who they accept.
If you’re a borderline case, then some ISPs might request that you pay a certain amount upfront in the form of a deposit.
Fortunately for those who are struggling, some broadband providers offer packages with no credit check. This means, that no matter what your circumstances, there will always be something for you.
Also, some ISPs don’t run credit checks at all, meaning all of their packages are available to everyone.
Let’s take a look at some of the broadband providers that don’t require a credit check on any of their packages:
One of the less well-known providers on this list, Direct Save Telecom nevertheless offers a great option for those with a poor credit score. They don’t do any checks on new customers, only requiring you to pay the remainder of the month when you join and your next month’s bill. That means your first bill will be a little more expensive. Deals are available on a 12-month or monthly rolling plan, although the latter will cost you a bit more per month.
As well as offering a wide range of broadband and phone line packages, Plusnet also promises never to carry out any credit checks. They’re also more flexible with their contract lengths than most ISPs, with 12–18-month terms available.
NOW TV also refrains from carrying out any credit checks on customers. As well as broadband deals, they also offer NOW TV, which gives you access to Sky’s wide range of programs on-demand. You can pick and choose which channels to subscribe to, including Sky Cinema, Sky Sports, and kids’ TV. They’re also very flexible, with both 12-month and rolling monthly contracts available on all their services.
If you’re interested in finding broadband that doesn’t require any credit checks, we’ve listed some of the top deals available to you right now:
| Supplier | Package Name | Speed | Contract Length | Price |
| Direct Save Telecom | Fibre Broadband | 35Mbps | 12 Month Contract | £24.95 Per Month |
| Direct Save Telecom | Unlimited Broadband | 11Mbps | 12 Month Contract | £18.95 Per Month |
| Plusnet | Unlimited Fibre Extra | 65Mbps | 18 Month Contract | £24.99 Per Month |
| Plusnet | Unlimited Fibre Broadband | 36Mbps | 18 Month Contract | £22.99 Per Month |
| NOW Broadband | Brilliant Broadband | 11Mbps | 12 Month Contract | £18 Per Month |
| Now Broadband | Super Fibre Broadband | 63Mbps | 12 Month Contract | £23 Per Month |
This one comes down to your personal situation. While it’s a great tool for people who might not have a credit score, it does limit your options.
It’s also worth remembering that just because your financial history isn’t perfect, this doesn’t mean that you have to opt for broadband without a credit check. Suppliers are always looking for new business, and will often be happy to reach some kind of agreement with you, even if you don’t meet their eligibility criteria.