How To Get A Cell Phone With Bad Credit

By Paul

Bad credit can be pretty nasty. With the heap of overdue mortgage payments, credit card bills and monthly loan installments racking up into a conglomerate debt, it might be hard for you to obtain a cell phone of your choice. For carriers, it has been customarily since long to carry out credit checks before taking on new subscribers to their service to be assured of timely payments. This practice had made it difficult to opt for a cell phone, but times have changed and turned favorable for high credit risk individuals.

Today, high risk consumers suffering from bad credit have more choices to choose from for a cell phone that doesn’t require neither a contract nor a credit check.

Click here to compare cell phone plans, including plans for bad credit

Options you might consider when you have bad credit

You don’t have to be puzzled anymore with “how to get a cell phone with bad credit”, just review any of the alternatives below available at your disposal.

Pay-as-you-go

Similar to calling cards, pay-as-you-go give you a fixed amount of calling minutes that you have bought. Once you have consumed the balance, you can refill when needed. Many cell phone providers might have such prepaid plans that are especially for people with bad credit ratings wishing to improve their credit score and use a cell phone at the same time.

Give a deposit

Some carriers require you to make deposits so that you may purchase a phone and a service plan. This deposit gives the provider the financial assurance when you are suffering from bad debt. Don’t worry; you will get the deposit back when the contract is over.

Get a co-signer

Dig around to find out which cell phone providers accept co-signers in case a person suffers from bad credit.  Get a close family member or a dear friend to co-sign the contract with carrier. This guarantees that the person who has signed the contract with you would be responsible incase any bills are defaulted. The cell phone would be in your name and the bill would also be sent to you.

Purchase directly from a cell phone manufacturer

There are certain manufacturers with the aim to sell cell phones rather than cellular service. Therefore, they will not have any problems with your bad credit history as long as you pay them in full for the handset. Moreover, they also do not require you to make any deposits with a cellular service provider or with their company. You can easily purchase phones from the website without any hassles associated with bad credit.

Therefore, even if you suffer form a bad credit rating, you can still get a cell phone you desire including making a pick from among the latest smartphones in the market. Try out the above valuable suggestions to get a cell phone as soon as you can. Of course, you don’t want to end up with no cell phone in this day and age!