What is No Credit Check Broadband?
A broadband package with no credit check means you won’t get rejected for a new deal because you have a poor credit history.
This is great news if you have any flags in your financial history, if you’ve ever filed for bankruptcy, you have County Court Judgements (CCJs), or you have a bad credit score.
It’s also good for anyone worried about being rejected due to their financial past.
Let’s explore which providers offer no credit check broadband and how these deals compare to regular packages.
Top providers offering broadband with no credit check
Here are the top broadband providers offering deals without credit checks:
Plusnet
- No credit checks required for any broadband package
- Good customer service
NOW Broadband
- New customers aren’t subject to a credit check
- Flexible TV add-ons available
- Rolling monthly ‘Broadband Basics’ social tariff available for £20 per month, ideal for customers on benefits
Direct Save Telecom (DST)
- Offers shorter, 12-month broadband contracts
- Regularly offers deals with no set-up fee
Popular broadband providers that carry out credit checks
The following providers carry out credit checks, but also have social tariffs available for low-income households
- BT
- Virgin Media
- Vodafone
- Sky
Broadband Deals with No Credit Check: Key Points
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Best alternatives to No Credit Check Broadband
Rolling monthly contracts
Providers such as:
offer flexible monthly no contract broadband plans. These often come with higher upfront fees and monthly cost, but can be cancelled easily.
Mobile broadband
Pay-as-you-go mobile broadband may also be a good alternative. You can get online quickly without a credit check. But speeds may not be as reliable as fibre broadband, and this could work out pricier in the long term.
For further advice on this topic, read our guide to using mobile broadband at home.
Social Tariffs
Some providers offer certain packages specifically for struggling households or customers on benefits. For example, BT Home Essentials - Unlimited Fibre Essential Plan is priced at £15 per month for those on Universal Credit.
See also: ‘Social tariffs and cheaper broadband deals if you’re on benefits’.
Tips to improve your credit score
Although no credit check broadband means you can get online quickly, improving your credit score gives you more options for getting great broadband deals in the future. Here are some tips:
- Register on the Electoral Roll
- Pay your bills on time using Direct Debit
- Use services like CreditLadder to report rent payments
- Access your credit report and check for errors and report mistakes
Frequently Asked Questions
We asked credit expert Sheraz Dar of CreditLadder to answer a few questions about all things credit-related.
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Will I still get a free Wi-Fi router with a no credit check deal?
Most no credit check broadband packages include a free Wi-Fi router, although a small postage fee may apply.
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What is a credit check?
A credit check, or credit search, is when a company looks at your financial background to assess whether they can provide you with credit (like a loan or mobile phone contract). The check will always be done with the customer’s permission.
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Why might I fail a broadband credit check?
If you've borrowed money before and made late payments or missed payments, this could result in you failing a credit check. County Court Judgements (CCJ)s will also impact your ability to pass a credit check.
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Are no credit check broadband deals more expensive?
No, these deals are competitively priced and often come with additional benefits like gift vouchers or free installation.
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How long do defaults stay on my credit record?
Defaults remain on credit files for six years after which they're removed. If what they have is inaccurate, you can contact the relevant credit reference agency and have it removed. Although you’ll still need proof that it’s inaccurate.
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How can I check my credit history?
There are several ways you can check what information the main credit reference agencies (Experian, Equifax, TransUnion and Crediva) hold on you. You could approach them directly or go via sites such as checkmyfile, Clearscore or CreditKarma, to name but a few.
Some services are free, some are paid for. There does tend to be a difference in what they offer you. For example, some might only show you your credit report with one credit reference agency, while others might show it for all four. Different lenders use different credit reference agencies, and quite often they will use two or even three.
Ready to find the perfect no credit check broadband service? Use our comparison tool to see what home broadband deals are available in your area. Simply enter your postcode to get started.
Don’t let bad credit rating hold you back from getting online. Choose a no credit check broadband deal today and enjoy affordable, hassle-free internet!