If you're not plagued with a poor or no credit history, the mobile world is your oyster, although buyer beware - late payment on contract bills can damage your credit rating as the BBC's One Show points out.
The Credit Crunch has seen a dramatic increase in the number of phone companies offering no credit contracts, complete with a range of no credit check restrictions, handset models and risky lending rates. Whilst there may be circumstances where these deals are useful, their purpose is to stimulate demand for new updates and models, not to finance your mistakes.
Pay As You Go is the true credit free option, especially if you only need the occasional text message and calls. And the best anti-theft device is to buy the cheapest model possible, then hang on to it for as long as you can. Don't forget to ditch the deal brokerage of comparison sites, by using the consumer led Review Centre to compare tariffs too!
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