Today we depend on our cell phones to do things than ever before. We use it to communicate with our friends and family, browse for information online, save personal and work data, and more.
However, if you have bad credit, you might have difficulty securing a mobile plan that will suit your needs.
Most cell phone companies often run a credit check on their prospect to check their credit score before approving an application. The companies run the credit check to know for certain if the potential clients will make good on monthly payments as stated by the contract.
So, if you have a bad credit score, there’s a high chance the cell phone company will not enter into a contract with you.
Keep in mind the credit check inquiry can also impact your credit score. This means if you have a poor credit rating already and a company runs a hard credit check, your ratings might drop even lower.
Luckily, there are a few companies that offer cell phone plans to individuals with no credit check. Whether you have a bad or good credit rating, you can secure a cell phone pan with these companies.
But before we look at these companies, here a few tricks and tips to get a cell phone with no credit check.
4 Tips to Get a Cell Phone with No Credit Check
Search for a Prepaid Plan
Getting a prepaid plan is perhaps the easiest way to secure a cell phone plan if you have bad credit. With a prepaid phone plan, you will pay a monthly fee in advance to access voice, text, and data services.
The prepaid cell phone plan provider doesn’t have to run a hard credit check because you’re paying before using their services. The advantage with this is you can don’t have to stick to a specific career. As long as you have an unlocked phone, you can move to any carrier you think is right for you.
Also, you don’t have to buy a phone from any specific shop. You can buy your phone anywhere and at the best price, whether new or second-hand.
Family Plan
When looking for a cell phone plan with no credit check, find carriers offering family cell phone plans. In these plans, the carrier runs a credit check only on the primary account holder and not additional line users.
Remember, if you cannot pay your bills, the main account holder will ultimately be responsible. So, it’s wise to ensure you make all payments.
Besides bypassing the credit check process, joining a family plan helps you save some cash since a family plan gets spilled four ways before fees, taxes, and autopay discounts.
Pay a Deposit
You can also land a prepaid cell phone plan with no credit history if you pay a security deposit first. The amount you will pay will vary depending on your credit rating and carrier. Usually, the security deposit caters to one line. Therefore, if you have multiple devices on your account, you will have to pay deposits for all the lines. Most providers often refund the security deposit when the customers make payments consistently and on time.
Add a Co-signer
You can secure a cell phone plan with no credit history or bad credit score if you have a co-signer. Nevertheless, the account will get registered under the co-signer’s name. As such, the co-signer will be responsible if you fail to pay your bills.
After some time, the co-signer can move the account to your name. Although the cell phone company will run your credit check, you will not pay a security deposit because the account is already open.
3 Best Cell Phones with No Credit Check
Now let’s look at the best cell phone plans with no credit check, starting with Verizon All Set Prepaid Plans.
Verizon All Set Prepaid Plans
Verizon All Set Prepaid Plans are ideal for individuals who like to pay for the service at the time of purchase instead of settling for a credit check. However, the plans vary based on the type of phone.
For basic phones, the company will charge you $35 per month. The amount will cover unlimited talk time, texts, and 500 MB worth of data. Those with a smartphone will pay $45 every month for unlimited text, talk time, and 1GB of data.
The company allows you to use a variety of smartphones, including iPhone and Samsung Galaxy devices.
T-Mobile Simply Prepaid
T-Mobile Simply Prepaid plan supports many mobile phones, whether they’re basic or smartphones. You can pay $40 per month to receive unlimited texts, T-Mobile network talk time, and unlimited data. However, the data is at 2G speed.
Alternatively, you can pay $50 per month to receive unlimited talk time and text on T-Mobile Network, plus unlimited data at 3G speeds. When using this plan, you can enjoy an additional 50 GB at speeds of 4G LTE.
The final plan costs $60 per month and comes with unlimited text on T-Mobile Network, talk time, plus unlimited data at 3G speeds. You can receive a data allowance of 10 GB at speeds of 4G LTE.
Other perks you can enjoy if you have poor credit include the New Smartphone Equality program membership. You will qualify for the program when you make on-time prepaid payments for one year. Once you’ve joined it, you can purchase a new smartphone at low upfront quotes.
AT&T GoPhone Plans
AT&T GoPhone Plans are perfect for people looking for prepaid plans. It consists of three plans. The first one is for basic mobile devices and goes for $45 per month. You will receive unlimited talk time and text as well as 1.5 GB at 3G Speeds.
The second plan covers basic phones too but lacks the data. For $35 a month, you receive unlimited text and talk time nationwide. The final plan costs $45, and it’s for individuals with smartphones. Users will receive unlimited talk time and texts, plus 1.5 GB of data at 4g LTE speeds.
If the data isn’t enough, you can buy an additional 500 MB for $10. You’re also free to select your smartphone.
Conclusion
Without cell phones, communication in the modern world would not have been possible. Phones are rooted deeply in our modern life that we can’t stay without them. Therefore, it’s vital to have a cell phone plan that will make communication a breeze.
If you have no credit history or poor credit rating, use the tips above to get a cell phone plan with no credit checks. Also, check out the cell phone carriers above to enjoy the best plans with no credit checks.
Thank you for stopping by.
References
http://check.in/how-to-get-a-cell-phone-with-no-credit-check/