How To Get Broadband When You Have Bad Credit?

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If you’re struggling with a poor credit rating, getting a broadband deal can feel like an uphill battle. Many major broadband providers use credit checks to assess new customers, and a low credit score can sometimes limit your options. But don’t worry—there are ways to get online without letting a credit check hold you back.

Here’s everything you need to know to find a broadband deal that works for you, even if your credit isn’t in great shape.

Here’s an updated and more informative version of your article, with added details and a more user-focused tone:

How to Get Broadband with a Poor Credit Rating
If you’re struggling with a poor credit rating, getting a broadband deal can feel like an uphill battle. Many major broadband providers use credit checks to assess new customers, and a low credit score can sometimes limit your options. But don’t worry—there are ways to get online without letting a credit check hold you back.

Here’s everything you need to know to find a broadband deal that works for you, even if your credit isn’t in great shape.

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Why Do Broadband Providers Perform Credit Checks?

Broadband providers often carry out credit checks to assess the likelihood of you paying your bills on time. It’s a routine process for many companies offering ongoing services, as it helps them minimise financial risk.

The type of credit check they perform will vary:

• Soft Credit Check: This is a quick look at your credit history and does not affect your credit score.
• Hard Credit Check: This is a more detailed assessment and may temporarily lower your credit score.

Most broadband providers perform a soft credit check, but it’s difficult to know for sure beforehand. If you’re concerned about damaging your credit score further, there are options that avoid checks altogether.

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How to Check Your Credit Score

If you’re unsure about your current credit situation, it’s a good idea to review your credit file before applying for broadband. You can check your credit score for free using one of the three main credit reference agencies in the UK:

• Experian
• Equifax
• TransUnion (formerly Callcredit)

Each agency may use slightly different scoring methods, so it’s wise to check your records with all three to ensure they’re accurate. Most services now allow you to access your report online or via an app, making it easier than ever to keep an eye on your credit status.

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Broadband Providers That Don’t Require a Credit Check

If you want to avoid credit checks altogether, there are several broadband providers offering deals specifically designed for people with poor credit or no credit history. Here are some options:

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NOW

• Set-Up Cost: One-off fee (typically £5-£60 depending on the deal).
• Credit Check: No credit check required—just a 10p payment from your bank account for verification.
• Contracts: Flexible options, including no-contract plans.

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Plusnet

• Set-Up Cost: Low set-up fees.
• Credit Check: No credit checks on any broadband plans.
• Contracts: 12- or 18-month contracts with affordable pricing.

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Direct Save Telecom (DST)

• Set-Up Cost: None.
• Credit Check: None required.
• Contracts: Choose from a 12-month contract or a no-contract rolling plan.
• Extras: Three call plans to choose from, starting at £0/month for pay-as-you-use calls.

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BT Home Essentials

• Eligibility: For people on specific benefits such as Universal Credit, Income Support, or Pension Credit.
• Cost: £15 per month for unlimited broadband.
• Credit Check: No check, but proof of benefit eligibility (such as your National Insurance number) is required.
• Contract Length: 12 months.

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What to Expect from No-Credit-Check Broadband

Choosing a broadband plan without a credit check doesn’t mean compromising on quality. You’ll still get the same service, speeds, and customer support as anyone else. The only difference is that you won’t be subject to a financial background review.

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Top Tips for Finding the Right Deal

• Use Comparison Tools: Many broadband comparison websites allow you to filter for no-credit-check options. This is a quick and easy way to see what’s available in your area.
• Check for Hidden Fees: Some providers may charge higher set-up fees or require an upfront payment for equipment. Always read the small print.
• Consider Short-Term Plans: If you’re working on improving your credit score, a short-term or rolling contract can give you flexibility while avoiding long-term commitments.

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How to Improve Your Credit Score

While getting a no-credit-check broadband deal can solve your immediate needs, improving your credit score over time will give you more options in the future. Here are some simple ways to boost your score:

• Pay Bills on Time: Set up direct debits to avoid missed payments.
• Check for Errors: Ensure your credit file is accurate and dispute any mistakes.
• Register to Vote: Being on the electoral roll can help lenders verify your identity.
• Avoid Multiple Applications: Too many credit checks in a short period can harm your score.

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Broadband for Bad Credit: A Summary

If you have a poor credit rating, don’t worry—there are broadband options out there. Providers like NOW Broadband, Plusnet, and DST offer no-credit-check deals, while BT Home Essentials provides a lifeline for those on certain benefits.

By using comparison tools and understanding your credit score, you can find a deal that suits your needs without the worry of being turned down. And if you’re looking for longer-term flexibility, short-term contracts and pre-paid options are worth exploring.