Far too many consumers assume that bad credit (or no credit) disqualifies themselves from obtaining wireless service. The simple truth is that a credit check is avoidable more often than not, and lackluster credit doesn't doom a given person. Through many carriers, both postpaid and prepaid options are available without a credit check. Compare the following plans that offer no credit checks to find the best cell phone plan for you.
Consumers with bad credit probably don't want their credit run in the first place. Adding another hard inquiry onto a credit report comes with consequences after all. Luckily, all carriers offer a handful of no credit check options for potential customers. Consumers can take advantage of these solutions in order to secure service with no credit check whatsoever. Different carriers may or may not penalize customers for forgoing a credit check, but most consumers won't experience problems.
Here's a look at solutions that don't involve a credit check:
Pay A Security Deposit (No Credit Check)
As previously mentioned, carriers often mandate a security deposit after running a credit check. Many carriers allow consumers to bypass the check altogether and opt for paying a security deposit in lieu of that check. Potential customers can expect to pay in full for each device they want, plus a refundable deposit on each line. At that point, each customer is then considered a regular postpaid customer. Some carriers impose restrictions on these accounts; some impose no restrictions whatsoever.
Forgoing a credit check saves consumers from a hard inquiry on their credit reports.
Opt For Prepaid Service
Prepaid wireless service is another option for consumers. Of course, prepaid customers pay for their services in advance and don't carry balances on their accounts. This option isn't as convenient as postpaid service. Most consumers won't argue about acquiring service without a credit check, though. Carriers and Mobile Virtual Network Operators provide prepaid services to potential customers. For the most part, taking advantage of this opportunity is simple and straightforward.
Each customer must pay for their smartphones in full, and no subsidies are available for prepaid devices. However, discounts are often available on low-end and mid-range smartphones. The first month's charge for service is due before service is activated. Service charges are paid in advance moving forward, so customers need to remember to handle these expenses before the due date. Since no credit check is required here, prepaid service is the perfect solution for those on a budget or with poor credit.
Finding The Right No Credit Check Cell Phone Plans
Over a dozen no credit check plans are available for wireless services today. Undoubtedly, consumers need to compare no credit check cell phone plans to choose their best option. Each person should remember that postpaid and prepaid plans are available. Postpaid plans often require a deposit, but that's not the case with prepaid plans. Plus, a variety of differences exist between individual plans, regardless of postpaid or prepaid status, and these differences do matter.
Verizon, AT&T, T-Mobile, and Sprint all offer cell phone plans without a credit check. Likewise, MVNOs that piggyback of those companies' networks provide such plans. Cricket Wireless, Boost Mobile, MetroPCS, and Republic Wireless are popular MVNOs today. All of these companies have their own no credit check plans, and each plan varies in price, features, and terms. Each consumer will need or desire certain things from their wireless service plan, so not all plans will make sense for a given person.
To compare no credit check cell phone plans, consumers should look at factors like price and data allowances. Most of these companies offer plans that feature between 500MB and 10GB of high-speed data each month. Unlimited calls and texts are commonplace these days, but some cheaper plans may feature limited minutes or texts. In the wireless industry, more data correlates with a higher price for monthly service. All consumers use varying amounts of texts, minutes, and data.
A Quick Look At Plans From Various Carriers
T-Mobile offers its Simple Choice No Credit Check service plans. For $50, customers receive 1GB of 4G LTE data as well as unlimited calls and texts. Plans for $60, $70, and $80 are available. The $80 plan includes unlimited 4G LTE data, and it should be noted that these are postpaid plans. Then again, T-Mobile has a number of similar prepaid plans for consumers that would rather pay in advance.
On the other hand, Cricket Wireless provides four popular plans for customers. A $25 plan provides unlimited calls and messages with no data allowance. Cricket's $40 plan includes unlimited calls, texts, and 2.5GB of LTE data. 5GB and 10GB of LTE data are included in its $50 and $60 plans, respectively. The top two plans by price feature unlimited texting and calling to Mexico and Canada as an added benefit, too.
Verizon's prepaid offerings include $45 and $60 per month service plans. The cheaper plan provides 1GB of LTE data. For the more expensive plan, 2.5GB of data comes standard, and both plans feature unlimited minutes and text messages. Verizon Wireless does allow customers to acquire postpaid services, but a credit check and then a security deposit are required. Customers can't skip the credit check for postpaid.
Consumers can expect to find a variety of other no credit check plans through each carrier or MVNO. Quite a few of these plans look similar to the others in the industry. Occasionally, consumers will come across no credit check plans that include extras not found with other carriers. These differences in extra features and benefits can make the difference for a given consumer that needs wireless service.
No Credit Check Options Are Available!
Many consumers assume that having bad credit, or no credit history, will stop them from getting a new cell phone or cell phone plan. However, this is not the case. You can get a cell phone plan regardless of your credit score. A few extra hoops might be required to grab these opportunities, though. All consumers need to know is that options are available, regardless of one's credit score.
Forgoing a credit check often requires a security deposit for postpaid services. Otherwise, prepaid services require no credit check or deposit. Potential customers can find affordable service plans that meet all of their needs either way. Every consumer needs to compare no credit check cell phone plans before choosing a carrier and service plan. Too many carriers and plans exist today to forgo this necessary step. In the end, most consumers will find the perfect option for their needs. They'll manage to do so without having a credit check performed in the process!
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