Have you ever wondered how to get approved for a cell phone with bad credit? It’s actually not as difficult as you may think. Follow these simple steps and you’ll be on your way to getting the cell phone you need with bad credit.
Checkout this video:
Check your credit score
The first step is to check your credit score. Cell phone companies will use your credit score to determine whether or not you qualify for a phone. If you have bad credit, you may still be able to get a cell phone, but it may have to be with a prepaid plan.
If you’re not sure what your credit score is, you can check it for free on websites like Credit Karma or Credit Sesame.
Find a cosigner
A cosigner is someone who agrees to be equally responsible for the debt, which in this case would be your cell phone bill. This person would need to have good to excellent credit, as their credit score would be impacted if you were to miss a payment. Having a co-signer is not a guarantee that you will be approved for a phone, but it does increase your chances.
Get a prepaid phone
The easiest way to get approved for a cell phone with bad credit is to buy a prepaid phone. You can find these phones at most convenience stores, drug stores, and even some gas stations. With a prepaid phone, you pay for your minutes in advance, so there is no credit check required. You will need to provide your own phone, however, and you may have to pay more per minute than you would with a traditional cell phone plan.
If you decide to go the prepaid route, be sure to shop around for the best deal. Some prepaid plans offer unlimited minutes for a flat monthly fee, while others charge by the minute. Compare several plans before making your decision.
Another option for getting approved for a cell phone with bad credit is to find a cosigner. A cosigner is someone who agrees to pay your cell phone bill if you default on the payments. This person must have good credit, and he or she will be responsible for paying your bill if you cannot make the payments yourself.
Before you ask someone to cosign for you, be sure that you are prepared to make the monthly payments on time. If you default on the payments, not only will your cosigner be stuck with the bill, but your credit score will suffer as well.
If you have bad credit but still want to get a traditional cell phone plan, there are a few options available to you. One option is to find a cell phone provider that offers special financing plans for people with bad credit. These plans usually require that you make a down payment upfront and then make monthly payments over time.
Another option is to find a cell phone provider that offers prepaid service. With this type of service, you pay for your minutes in advance and there is no credit check required. However, you may have to pay more per minute than you would with a traditional cell phone plan.
You can also try negotiating with your current cell phone provider. If you have been a good customer and have always made your payments on time, they may be willing to work with you even if your credit score is not perfect
Get a post-paid phone
If you’re looking to get a cell phone with bad credit, your best bet is to go with a post-paid phone. With a post-paid phone, you’ll need to put down a deposit upfront, but you’ll then have the benefit of being able to make monthly payments on your phone. This can help improve your credit over time, and it’s generally the most accessible option for people with bad credit.
Improve your credit score
One of the best things you can do to improve your chances of being approved for a cell phone with bad credit is to work on improving your credit score. There are a few different ways to do this, but some of the most effective include:
-Paying your bills on time
-Keeping your credit utilization low
-Avoiding new hard inquiries
-Correcting any errors on your credit reports
If you can do these things, you’ll gradually see your credit score start to improve. This will not only make it easier to get approved for a cell phone, but it will also help you qualify for better terms and rates on other types of loans and lines of credit in the future.