Cell Phones For People With Bad Credit
Most providers of cell phone service offer two different types of plans. One runs like a credit card and the other is prepaid.
If you decide to choose a plan that offers continuous billing, you will probably have to have good credit. This option works more like a credit card account so the cell phone company is taking on some significant risk.
If your credit isn’t great, that means that bills haven’t been paid on time. This poses a risk to the provider, so they won’t be super willing to offer you an account without covering some of their bases.
Most cell phone providers will want to see a credit score of at least 630 and if you dont have a score that high, they will want a deposit. Usually providers want a deposit somewhere between $125 and $400.
After you give the cell phone company a deposit, they will allow you to get a regular credit-type plan. While this type of account will have some restrictions, you will be able to use your phone normally.
If you don’t feel like putting down a large deposit, or if you don’t have the money to, you could opt for the prepaid option. You have to buy the phone and the minutes beforehand, but you are then able to use the phone until your minutes run out.
Since the cell phone company doesnt really take on risk with the prepaid option, you can get easily get this option even if you have terrible credit. In fact, the cell phone company wont check your credit if you choose this option.
Almost every major cell phone provider out there provides both of these options. If you are unsure which option is the best for you, you may want to call the company of your choice and talk to them about your options.
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