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.