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Cell Phones For People With Bad Credit

By Edited Feb 16, 2014 0 1

Cell phones are becoming more common nowadays than ever before. Some people even decide to get cell phones instead of a home phone because they can get better deals. The fact is that people from all walks of life need to communicate with others in a quick and effective manner; cell phones give them this ability. It can be a lot harder to get cell phones for people with bad credit than you would think. The reason that credit plays a role in a person's ability to get a cell phone and a plan is because cell phone companies will need to make sure that you are able to make your payments on schedule each month.

If you have any knowledge about having bad credit, you know that it can be difficult to make any payments, let alone come up with the financing for a cell phone plan. Most mainstream cell phone companies will try to work with people to help them get a plan that they need, regardless of their credit score. If you plan on trying to get a cell phone with bad credit, then you are going to need to come up with a way to get some cash on hand. Due to the fact that a lot of companies will require you to make a down payment towards your plan, you are going to need to pay in cash instead of with your credit card.

One major company for cell phones that you probably have heard about is Verizon wireless. You can get their cell phones even if you have bad credit, but you are going to need to make approximately a nine-hundred dollar deposit in advance if you want to get one of their plans. They are pretty strict when dealing with people who have adverse credit scores. Most people with poor credit end up having to make a down payment on their first plan that costs them over one-thousand dollars. This is a pretty expensive price, but something you should consider if you really need to get a Verizon phone.

Another major cell phone provider, T-Mobile, has a few different options for people that have poor credit scores. They will make you pay at least four hundred and fifty bucks up front to get you started with a plan. They do not require quite as big of an initial payment as Verizon wireless, so it is something to consider if you found Verizon to be overly expensive. You will need to get a secured policy with them if you are struggling with your credit. As long as you continue to make all of your payments and stay up-to-date, you should have a very easy time keeping your plan through T-Mobile.

Last but not least is the Sprint cell phone for people with bad credit. They will take a look and see exactly what your credit score is and what type of plan they are going to be willing to set up with you. If your credit score is clearly very bad, they will make you put down almost five-hundred dollars in cash so that they know you are going to be serious about your payments.

Should you ever miss out on payments, you will hurt your credit score even more and your deposit will be taken by Sprint. It is suggested that you get a very low-priced plan at around one-hundred dollars to start so that you know you will be able to pay it back. If you are able to prove that you can handle a sprint cell phone with poor credit, then you will get your deposit money back after a full year of making timely payments.

If you don't want to get cell phones for people with bad credit through a major provider, you can always think about getting pay as you go cell phones. These phones are very easy to regulate and require that you pay cash before you use them. Though most people do not like these bad credit cell phones, they will teach you the lesson that you should always make your payments on time.

The other nice thing about these phones is that they may actually save you some money compared to other plans if you are not a person that needs to talk a lot. You should always think about trying a pay as you go cell phone before you look to one of the other major suppliers.



Jul 23, 2009 1:09pm
Prepaid cell phones are actually a financially viable option for many people, not just those struggling with bad credit records. More than one 'unlimited' prepaid offer exists for about $50. Tracfone has one for only $45. And if you are using under 400 minutes a month, it is really worth the effort to shop around for a prepaid plan.
Signing restrictive, unfair and overpriced contracts for cell services is just not my style so I use prepaid phones all the time. My current favorite is NET10 prepaid. Always 10c a minute, no roaming charges, no hidden fees, no contracts, no credit check, just convenience at a great price.
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