Can i get a cell phone with bad credit? Prepaid cell phone plans don’t require a credit check. That’s because you pay in advance for your service, usually on a monthly basis, so there’s no risk for the cell phone provider. The four major carriers-Verizon, AT&T, Sprint and T-Mobile-offer prepaid plans, often for less than their traditional plans.Can i get a phone plan with bad credit? Don’t let bad credit keep you from getting a cell phone plan. You definitely have options. For example, you can get a family plan or join someone else’s plan as an authorized user. Also consider using a prepaid plan, which carriers have created for people with poor or no credit.How does getting a cell phone affect my credit score? When a cell phone company checks your credit, this can add a credit inquiry to your credit report and slightly lower your credit score for a period of time. Credit bureaus pide credit inquiries into two categories: soft and hard inquiries.Can cell phones improve your credit? The presence of a mobile phone account on your Credit Report also carries the potential to boost your overall Credit Rating.
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One of the most efficient ways to get a cell phone with bad credit is to opt for a prepaid plan. Like prepaid checks, this option has you paying a certain fee in advance before you use any services. Since you are paying in advance every month, this one does not need credit checks.
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