08 August 2009

Pay As You Go is the Solution For Defaulters


Credit Scores or Credit Rating are considered as one of the most important matters of concern in US. Many people are afraid of being a victim of low credit scores, as it affects their life drastically. It affects your financial profile in such a way that it becomes difficult to apply for a loan may it be any kind of loan, apart from unsecured loans. It not only influence your financial portfolio but also makes it difficult to avail services which requires impressive or above average credit history. One of the appropriate examples is the mobile phone industry.

In US, there are cellular phone service providers that offers several plans which differ in many aspects, particularly cost. These service providers set certain criteria to allow people to avail the service. Such criterions are always noticed with schemes belonging to post paid method or in simple words billing system. Billing systems are nothing but methods in which you pay your bills only after utilizing the service for a month. You receive your phone bills on monthly basis, in monthly order, on a particular billing date. There may be basic level plans which allow a person with bad credit to avail the service but most of the high costing plans are not giving to such in debt customers.

This is done as the companies fear that such defaulters may not be able to pay the bills on time. There may be some service providers who offer schemes to such defaulters regardless of credit scores; however these companies may lay down some obligations that should be obeyed. There are many big players which operate in the United States of America, for example Sprint Nextel, AT&T Mobility, Revol, and Blue wireless etc. Most of such mobile service providers may peep into your credit scores. If you have a bad credit rating then it may keep you away from the services that these big players offer.

So it can be concluded that having good credit ratings is also important for availing good mobile phone service. This does not mean that people with bad credit rating cannot enjoy the privileges of mobile phones. People with unacceptable credit scores can take the advantage of prepaid services or 'pay as you go' schemes. These types of services are good as you can refill you account as and when required and then use the amount that you have deposited in your phone account.

No Credit Check For Cell Phone Deals


Cell phones have become a necessity and most of the time their users go for one that supports some kind of billing system plan. But when these matters of finance come into the picture, a credit check is usually carried out to see how able the said person is in clearing their bills. What they look for is someone who has had a reputable credit history. If the story is any different, then the affected person finds it very hard to find a deal since their credit history sells them short.

Out of all the options available to people whose credit checks have deemed them unworthy when it comes to the billing plan can always go for the prepaid connection. If you do not want your credit history being ransacked through, this option is available for you too. It is one of the best options to go for since it gives you as the user to understand more about the phone usage and how the bill is created.

For most of the phone companies that offer prepaid connection, they do not go through your credit past. What really happens is that to get talking, you buy some minutes beforehand and have them loaded into your phone.

But having no credit check is not the only advantage that comes with prepaid connection. Since there is no any kind of contract signed between you and the service provider, you first of all don't pay any deposit. At the end of the month there is no bill awaiting you for making use of your phone. Plus the lack of contract means that you can switch between cell phone companies without having to pay any fee for so doing.

Having a prepaid phone teaches some discipline since the knowledge of having limited minutes often makes one reasonable in the calls that they make. When you know that you are always connected and you can make abundant calls, one usually talks for longer time and makes more phone calls. But with the prepaid option, one learns to limit themselves to important calls and short minutes. That means at the end of the month the phone budget is exponentially reduced.

So if anytime you know that your credit check would sell you short, going for the prepaid option in the mobile phones is always the best idea. That goes for those who want to limit their mobile phone use too.

Phone Service Bad Credit - The Best Way to Have Cell Phone If You Have No Money

Cell has become one of the most important devices that we use in our day to day life. However, these cell phones are in use when accompanied by network n service provider. There are two basic types of services prepaid and post paid which is also know as billing phone service. When we talk about phone service for bad credit history, it becomes difficult even to consider post paid services. Billing phone schemes are generally offered to people who enjoy average to good credit history. This is because the functionality of billing schemes is different from that of prepaid scheme. With billing scheme you get a chance to use the phone service and pay for the service that you have utilized, at the end of the pay cycle.

Most people prefer billing scheme as they get the freedom of making calls and their phone use is not limited to certain amount. They can use the phone as per their requirement and pay for the calls they have made at the end of the month. The payment of such billing phone is done when the bill has been dispatched after every billing cycle. Billing schemes is rarely considered as phone service for credit scores as the payment is done after using the services which include risk of non payment for the service provider. Hence most companies (cell phone service providers) consider checking credit history of the applicant. If the credit history of the applicant does not meet the requirement of the company, then the company may not facilitate the applicant with the prepaid service.

Under such conditions it becomes complicated for a person with bad credit to avail billing phone service. But that does not mean that people with bad credit cannot enjoy the privileges offered by cell phones. There are phone services for bad credit scoring people. These services are prepaid services which are also known as pay as you go phone services. With prepaid service you need to refill you cell phone account with certain amount prior to the utilization of the service. You get to use the service proportional to the amount available in your account. These types of services need not require any credit checking. It can be said that these service plans can be considered as bad credit phone services. There are numerous companies which offer bad credit phone services. Anyone with bad credit scores can approach these companies to avail cell phone service provider.

Bad Credit Issue? Don't Worry, Get a Pre-Paid Connection


Cellphones for people with bad credit history may sound like a distant dream. Under such circumstances, it may become difficult to even avail billing phone services. Hence, holding good credit history is a crucial factor for the people of United States. Credit rating may affect the lifestyle of the people on a very large scale. There are organizations which keeps records of credit scores of people. The credit history of any individual can be retrieved with the help of his/her Social Security Number or simply referred to as SSN.

You can approach companies like, Equifax. FICO and Trans Union etc, and provide them your SSN number. Once you give them SSN you will be shown your credit ratings. Credit rating are determined on the basis of your past payments and dues. For example, if you had a loan and you were not able to pay it or even if your bank account becomes barren, such aspects determine your credit scores. There are organizations that check your credit rating before providing services or products and accordingly provide you the service. If they discover that your credit scores do not meet the required criteria, they may decline your application for the service. Hence, it is very vital to have good credit score for such facilities.

Even mobile phone network companies also check your credit scores for providing you a particular plan. This is done mostly for services which includes billing systems. There are numerous famous companies operating in United States of America, which offers great post - paid deals but unfortunately everyone cannot enjoy these services, as they do not hold a good credit rating profile. However, there are options that may enable them to use a cellular phone. They can adopt the efficient and effective service offered by pre-paid schemes. Pre-paid is a cellphone scheme with bad credit history.

These schemes may offer good call rates and other services. This type of plan keeps you away from monthly tension raised by looking the long bills that arrives at your home every month. Hence, such a plan is very useful for people who want to use cellphone even though they have bad credit. However, even if you desire to avail post -paid service, make sure that you hold good credit scores. If you think that your credit history is not satisfactory for the offer, you may ask someone else to buy a connection for you. By this way also people with bad credit can avail a cellphone connection. You can ask your spouse if he / she hold a good credit account, to buy a scheme for you. This way you will be able to enjoy all the facilities offered by the service providers.

Cell Phones For People With Bad Credit

Cell phones for people with bad credit come in the form of 'pay as you go' phones or prepaid cell phones. Though it has been a European concept, Pay as You Go phones are gaining popularity in the US. One must realize that not having the best credit should not stop you from using the most powerful means of communication in the world-the cell phone.

Are you someone who has been burdened by heavy monthly mobile bills in the past? Has the steep mobile bills pulled all stops on your credit file, and are you finding yourself in a debt trap? In fact, our worsening credit situation makes cell phone subscribers shy away from giving monthly bills plans if our credit rating is not good enough. But that should not stop us from using a cell phone, does it? There is always help at hand in the form of pay as you go phones. In fact, I met with a bad credit situation because I was in the process of building a business which did not go the way I expected. This made the mobile company shy away from continuing my monthly bill plan. But now I am in a successful venture and doing pretty well for myself. However, in the process, I have started using pay as you go phone, to tide over my bad credit problems.


You can try online for cell phones that are available for people with bad credit at cheap rates. It does not matter if you cannot get a new phone from a phone shop; online mobile websites sell some of the best quality prepaid phones at the best rates. In a pay as you go phone, you are not tied to any yearly contract; you just have to pay airtime cost. In other words, you are only paying a fixed amount of money for the 'talk time' on the phone. You do not have to worry about monthly bills. You pay for airtime only if you want to use the phone. And yes, your credit situation has nothing do with this. So, prepaid cell phones can really work no matter if you have bad credit or good credit.

The billing plans, the ones where you have to pay monthly bills entail credit checks done by the creditor or shopkeeper. In prepaid phones, there is no credit check done because you are paying upfront, there is no bill to be paid at the end of the month. So if you are a person with bad credit history, you can simply opt for prepaid phone or Go Phone and forget your worries.

17 July 2009

Bad credit cell phone - worry ? How to solve ?


One of the biggest problems in getting a cell phone connection is bad credit. If you want a billing type or postpaid type connection, the service provider are bound to check your credit record. It's perfectly fair on their part as they are giving you a credit limit and must make sure that you have the ability to pay them at stipulated times. But does that mean that you cannot get a cell phone connection if you have a bad credit? Not really, you can always get a bad credit cell phone if you know how to get them.

The easiest way. Get a prepaid connection. You just pay-as-you-go. There will be no credit checks, no deposit, and sadly strict limits on your spending. But it is still the best method to get a connection if you are in really bad credit. But you have to be really careful with your talking limits because if you have no balance in your account you just cannot make a call. Except to emergency numbers that is. What more, you can also get an unlimited talk time card if your service provider has one and talk as long as you want without worrying about bills. Now on to the harder ways.

Be patient to find the best deal. Even though service providers are strict in their policy about bad credit cell phone connections, there is always a difference of strictness between various service providers. Some service providers are likely to offer better plans than the others. One such a service provider is T-mobile. They are much more reasonable in giving postpaid plans and need much lower deposits compared to other providers. They even have a family plan with unlimited night and weekends. But you should always compare all the leading service providers. This is a competitive market and everyday a new company is coming out with a new offer. So try to grab the best offer at that particular time. Keep an eye on Verizon, Alltel and Sprint.

Get someone to sign with you as a partner. If your co-signer has a good reputation in paying bills at right times and a good credit history, you are much more likely to get the deal done. The service provider can also breathe easily as they feel more secure due to the signature of the trusted cosigner. Here, the biggest problem is getting a cosigner to sign for you if you have a really bad credit. It's a matter of trust between you and your partner.

Now comes the worst idea. Pay the deposits and get your connection. If you are willing to shell out enough and have the courage that he will be able to pay the bills in time, then do it. That way you will get what you want and if you really managed to pay the bills right, will also get your security deposit back. But let me tell you that this is the most risky idea and if you are really in a bad credit, you will most likely miss one or two bills in time and landing the trouble. So think before you act. Getting a bad credit cell phone connection is not hard but you have to choose the right option according to your position. If you ask me, the best bet is to go for prepaid connections but it differs from person to person. All I can tell you is that, the aforesaid are your biggest options you are most likely to find a solution to your bad credit cell phone problems from them.

Cell Phone Deals For People with Bad Credit


The cell phone market has grown and changed to the benefit of the present day customers, companies offer much better deals to consumers then they did previously. This is because of the cut-throat competition in the market between the cell phone providers, as more and more companies flock in the competition it is getting even more intensified. But, for the customers it is a boon as they have a variety of choices to choose from and take the most appropriate cell phone deals on offer and which suites their budget and life style.

And for the most astonishing part of it, even the customers with bad credit history are getting offered post paid cell phone deals. Though, the billing system is a little tricky compared to what other trusted customers get offered. It is a healthy sign for most people with dubious credit history who use and communicate with cell phones and which is an inevitable part of our lives now. This gives them the opportunity to secure a chance to prove themselves once again and make the most of the prevailing offers.

Many established companies now have on offer new cell phone deals for people with bad credit history with an option to become reliable customers for a long duration of time. The offer continues with the older set of terms and conditions to make it a secure one for the company, but have things to offer to someone who has dwelled into bad credit scores for a while. The deal is they provide you with a certain amount of talk time for usage and monitor if you pay the stipulated bill on time and more credit points. As the economy getting to smoother again, it could not last for a longer duration of time and companies may pull out the deals inadvertent.

And if you are trying to visit any of the mobile stores checking out for the best deal with bad credit, I think this is time for you. You can ask for the Go Phones in this case for many of the providers know what you are looking for when you ask for a go phone. The Go phones are some times meant to be cell phone deals for the people having bad credit history. Some offers also stretch to make you pay a partial billing after a certain amount of usage.