Getting broadband with bad credit or no credit check

Getting broadband with bad credit or no credit check

If you have a poor credit history you might find signing up for a broadband contract is more difficult than you might imagine.

It can be frustrating when the computer says no. You can’t reason with your credit score and you just have to learn to live with it.

Most broadband providers carry out a credit check on you when you want to enter into a new contract. They may be unwilling to offer their services if they don’t think they’ll get a good deal in return.

All is not lost as there are a range of alternatives for you to get online and to start repairing your credit rating.

The best advice is to check with your preferred supplier before signing up and you may be pleasantly surprised.

Checking your credit score

It’s entirely possible that even with a lacklustre credit history, you will still be able to get top whack ultrafast broadband. In this case there’s no need to compromise as long as you keep up with your monthly bills.

Many credit check companies charge a fee to you to see your credit score.

However Noddle offers a free online credit check and you won’t need to pay anything.

The drawback is that it requires you to input quite a lot of detail – your home address, how long you’ve lived there, current bank account details – but if you’ve got this info to hand and you do not fear the answers you seek, it’s definitely worth it.

Options for broadband without a credit check

Mobile broadband

If you know you have a poor credit score or don’t fancy being subject to credit checks, mobile broadband may be the most suitable option.

While you may have to make compromises on things such as data limits, mobile broadband offers largely the same benefits as ultrafast fibre broadband, albeit at a slower speed and without the option of a wired connection.

First Utility

Certainly the best option for anyone who’d rather avoid a credit check, First Utility offer low cost broadband with no upfront costs, no hidden fees, and most importantly, no credit check when you sign up. This is probably the best choice for anyone with a poor credit history.

There are some minor drawbacks. First Utility don’t offer inclusive calls, and have less choice than the larger suppliers when it comes to data allowances. First Utility only offers 18 month contracts, making this a less straightforward choice if you’re planning to move house in the near future.

That said, their broadband comes with inclusive line rental, meaning there are no nasty surprises when your first bill arrives. The price you is the price you pay, and from £18.99 per month, that’s not to be sniffed at.

As an added bonus First Utility energy customers who also be given a welcome broadband discount.

In short, First Utility is definitely worth considering.

  • Up to* 17 Mbps
    Contract 18 months
    • • Discount Available for First Utility Energy Customers
    • • No Upfront Charges
    • • Award Winning UK Call Centre
    First UtilityFirst Broadband
    No Calls Bundle
    No TV Bundle
    More Info Less Info First Utility_FirstBroadband


DirectSave is another company that won’t perform a credit check before you sign up. They offer some of the same perks as First Utility, without the discount for energy customers, although Direct Save do offer you membership of their discount club.

There will be a setup costs involved, but there are several contract options, ranging from one to 18 months, giving you much more flexibilty.

BT Basic

BT offers a simple, cheap phone and broadband package aimed at low-income benefits claimants. This package won’t appear in the price comparison tables on because it’s not available to everyone.

BT Basic offers 12GB of data each month for the low price of £9.95 including line rental.

There are no setup costs involved, although you will need to pay for postage to receive your router.

As you may expect from an unusually inexpensive service, the data limit can be quite restrictive, but it will allow you to browse the internet for half an hour each day, stream a standard definition film, or play an hour of online games a week.

The package also includes access to BT WiFi.

It might not be much but it’s better than no internet at all and the price is hard to argue with.

Find out more about BT Basic here

MAIN IMAGE: Sean MacEntee/Flickr


Aran is a technology journalist with an interest in consumer issues.
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