| How to get a cell phone plan without a credit | | | | is high and therefore credit will not be extended |
| check | | | | to those who do not meet the criteria set forth |
| | | | | by the individual credit department. |
| | | | | |
| In today's economy, having credit extended is | | | | Options for getting service with less than perfect |
| more difficult than ever. When a company | | | | credit: |
| extends credit to its customers, it is crucial to the | | | | |
| business to know how this customer handles their | | | | 1. Use a service that does not require a credit |
| bills historically and to determine if this customer is | | | | check. lets you use a plan with a major provider |
| low or high risk to their business. | | | | with a valid credit card. |
| | | | | |
| Credit checks are used to assist the company in | | | | 2. Pay a pre-determined security deposit |
| determining how their potential customer has | | | | per line to the company of your choice. |
| handled their finances in the past. Most large | | | | Most deposits range from $150.00 to |
| companies have a credit department that will | | | | $1,000.00 per line and generally will be refunded |
| verify the information provided using your social | | | | after one year only if the account is kept in good |
| security number, name, address, etc. | | | | standing with no late payments or suspensions of |
| | | | | service from non- payment. If your account is |
| Things that will prevent you from getting credit | | | | not in good credit standing, this deposit can be |
| include but are not limited to, poor payment | | | | held as long as you have service with your |
| history, accounts that have gone to collections, | | | | company. |
| over extension of credit and inaccurate | | | | |
| information including deliberate omissions on your | | | | 3. Consider using pre-paid cellular service. |
| credit application. | | | | There are many options available for this type of |
| | | | | service and since minutes are paid in advance, no |
| Why does credit matter if I only want a monthly | | | | credit check is necessary. Be sure and do your |
| plan? | | | | homework to find the one that best suits your |
| | | | | individual needs. |
| When a customer signs up for cell phone service, | | | | |
| the provider is giving that customer unlimited | | | | |
| access to using their service. Customers can | | | | 4. Get a co-signer. Many companies will |
| accrue extremely large bills in a very short period | | | | allow a co-signer to co-own your account with |
| of time simply by using their phone for roaming, | | | | you using their credit for approval. There are |
| international calling, data transfers, downloaded ring | | | | some companies that do not allow co-signers but |
| tones, games, software applications, overuse of | | | | will put the account in another person's name. You |
| allotted minutes and excessive messaging if not | | | | can be authorized to access and make changes |
| covered in their plan. | | | | to the account with the account holder's |
| | | | | permission. This avenue will in no way allow you |
| All of these charges are paid by or absorbed by | | | | as an authorized user to establish credit with that |
| the carrier regardless if their customer pays their | | | | company or have your good payment history |
| bill or not. | | | | reported to the credit bureaus as the account |
| | | | | itself is not in your name. |
| The potential for loss from a business standpoint | | | | |