How to Get a Cell Phone with No Credit

Our mobile society has a huge stumbling block for many individuals and companies. Without credit of some kind, many cell phone companies won’t allow you on a monthly contract, especially not one that includes an expensive phone for little or nothing down. Individuals without credit are viewed as risky investments and if you have bad credit, you’ll have an even harder time finding a cell phone carrier that respects you and your need for communication. However, all hope is not lost if you’re battling cell phone credit issues.

Speak Frankly With Cell Phone Companies

There is no hiding what shows up on your credit report once the company decides to pull up your social security number. No matter how smoothly you finesse the sales person, it is the business manager who usually makes the call on a contract or final sale. Being honest and upfront about your credit situation will save everyone time and energy.

Check out the wares and then ask to speak directly to a manager. This can be especially challenging if you’re young, but persevere. Explain to the manager of the mobile shop that you’re in need of a plan with certain characteristics, but that you don’t have established credit or credit that’s been harmed in the past. Your honesty upfront will ring true as maturity and increase the changes the manager will make an exception for you if she can.

Consider PrePaid Phone Plans

If you’re unable to sign on to a more conventional contract, the manager or sales representative will likely encourage you to use a prepaid cell phone plan. These vary dramatically in cost and convenience, so don’t sign on to anything with a particular company until you research what other mobile companies are offering.

Far from being something to hide, prepaid phone plans will give you the mobile communications you need, will be indistinguishable from other phone plans, and will help you establish a reputation with your mobile carrier. Traditional prepaid phone plans allow you to use the phone up to a certain paid limit before needing to deposit more funds on the phone. Unlimited prepaid plans give you more flexibility in how you use the funds you pay as a monthly fee.

Build Credit Correctly

Over time work to build your credit correctly. Your prepaid phone account might help if it is with a company that offers conventional cell phone contracts as well. Other credit accounts you open and maintain in good standing will help you gain credit that can be used to help secure the contract plan and fee goodies you’d want from your next cell phone.

Easy Step By Step Instructions for Getting a Cell Phone

• Speak honestly with cell phone companies about your credit situation
• Ask for a standard contact even if you don’t exactly qualify
• Consider a prepaid phone plan that doesn’t require a credit background
• Work to build credit over time to improve your chances of a solid contract on your next phone

Warnings, Advice, and Suggestions When Getting a Cell Phone

Many users who could use a typical contract prefer the prepaid cell phones as they offer greater flexibility and allow you pay for only the time you use.

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