Ways to Get a Bad Credit Cell Phone Service

Dec. 27, 2009 - PRLog -- If you find yourself in bad credit, it is generally more difficult for you to get additional funding from loans and other fund sources. Your credit history can speak so much about your financial health as well as you attitude when it comes to debt and credit. This is precisely why many cell phone network companies choose to deal with people with good credit scores, rather than those which perform poorly in credit reports. However suffering from bad credit should not keep you from getting the right cell phone plan, as long as you know where to get the right bad credit cell phone service.

There are some effective ways for you to get the bad credit cell phone service that you need. First of all, it is important for you to do your own research. There are various companies out there that offer cell phone services to people with bad credit but only a few of them may actually be right for you. Choosing the wrong company and the wrong cell phone plan can very easily burrow you in even deeper debt, and this is the last thing that you would want to happen. Therefore you need to make sure that you’ve chosen the right company before signing any contracts or getting into any deals.

Secondly, it is best to secure for yourself a co-signer for your plan, in case the cell phone network requires for you to do so. Many bad credit cell phone service providers will require that you have a co-maker for your plan in case you renege on your promise to make prompt payments. When choosing a co-signer or co-maker, it is best to go for someone with a higher credit rating than yours. Better yet, you need to choose someone with an excellent credit score. Many credit companies and cell phone companies favor bad credit applicants who have co-signers that have positive credit ratings.

Another alternative in getting a deal with a cell phone network company is to consider going for prepaid options. Many post-paid plans are offered to people with good credit scores and although these plans are available to bad credit applicants as well, not everyone with bad credit rating can easily get a post paid or billing arrangement. A pre-paid bad credit cell phone service is more ideal if you don’t want to add up to your existing debts. Since you will be making advance payments, you don’t have to worry about making delayed payments for your phone bills.

Finally, you can get a bad credit cell phone service by paying a down payment or a deposit. Many cell phone companies require a deposit from applicants who have bad credit. However you need to be prepared to pay for a higher than average amount if you are considered as a bad credit consumer. Some cell phone networks do offer less expensive alternatives ideal for those who are on a budget, so it is best to shop around first before you choose any specific company as your cell phone network.

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