By Paul
Credit, although, might appear as a life-saver in the short term but in the long term can push you into a vicious cycle of debt. When you are heavily burdened by debt issues, it is very difficult for you to obtain credit cards, loans, and even cell phone subscriptions. This is because the credit score is a very important figure that determines your ability to pay off your dues. When an individual’s credit history is dotted with frequent late payments, missed payments or overdue credit, the credit worthiness of the person is at risk.
But how would you get cell phone service if you have credit issues?
Now that you know that your credit score determines the risk you present to a cell phone carrier, it might be hard for you to obtain the desired cell phone packages from a carrier of your choice. Certainly, you can’t go about living without a cell phone because it’s practically impossible to do so. One way out is using no credit check cell phones.
No credit check cell phones — what are they?
No credit check cell phones are mobile phone plans that are provided without any credit checks to those who suffer from bad credit. These no credit check cell phones are available with budget friendly solutions for individuals who have a low credit score and even for frequent travelers. For instance, if you happen to travel to a particular city in the US frequently, then it would be wise of you to get a no credit check cell phone rather than an expensive contract-based cell phone service.
Click here to compare cell phone plans, including prepaid and other options
How to get cell phone service if you have credit issues?
Different carriers provide different service plans for the no credit check option.
1. Pre-determined security deposit
With this option, you have to provide a security deposit that is usually refundable after a year based on your payments throughout the year. In return, you get a cell phone line from the carrier.
2. Prepaid cell phone
Monthly prepaid option is another way of obtaining a no credit check cell phone. Since you have already paid in advance, you appear as zero risk to the providers. After a few months of refurbishing you credit score with the prepaid option, you can switch to regular service plans based on your need.
3. Purchase plans from local retail store
Some well known local retail outlets even provide no credit check cell phones. These no credit check phones can be recharged with more minutes once you have used up your calling minutes. These minutes can be bought from the store or from the company’s website directly.
You should realize that no credit check cell phones are used to boost up your credit image and improve your credit score. Once you have done that, you should make it a habit not to build credit as it can harm your reputation and affect your financial health.
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