Thread: bad credit
12-04-2004, 02:17 PM #1
a good bro from another board pmed me about gettin a cell phone with bad credit, i said other than a co-signer i dont know how or where he could get one, so does anyone know anyplace he can get one with bad credit?
12-04-2004, 02:19 PM #2
Don't most phone companies have "pay as you go" prepaid services for folks with bad or no credit?
I know a buddy of mine here uses one of those (all the Canadian cellphone companies offer that service) as he has horrible credit due to a messy divorce (she got it all, even the garden hose!)
12-04-2004, 02:19 PM #3
he should b able to get one with a deposit. or he can go with pay as u go.
12-04-2004, 02:25 PM #4
I used to use a regular cel phone but I am often unable to use it for months at a time and I hate paying for something I don't use. I now use prepaid. Actually Verizon has a month by month plan that you can opt out of at the end of any month and the terms are reasonable for the $40 package. They also have pay-as-you-go for a reasonable price but the minutes expire pretty quick. I am using Virgin right now. THe first 10 minutes in any day are 25 cents a minute, and thereafter it is 10 cents a minute. Don't buy any ringtones... you pay and you can never download them from their crappy site. I used ATT for a while but they are 40 cents a minute, which is typical.
Sprint will work with your friend on a deposit up front basis if he wants a regular plan. Many other carriers I am sure will do the same.
The nice thing about prepaid is you can basically give any name and address you want. They dont care cause you already paid for all your minutes, and they can't lose.
12-04-2004, 02:35 PM #5
Cricket doesn't pull credit on their phones and their plans are month to month based on unlimited calling for about $40/mo.
12-04-2004, 02:39 PM #6Originally Posted by Red Ketchup
12-04-2004, 02:40 PM #7
Just pay the 700 deposit and get a cell
12-04-2004, 02:46 PM #8
12-04-2004, 02:53 PM #9
thanks fellas ill shoot him a pm with this link..
12-04-2004, 02:53 PM #10Originally Posted by Red Ketchup
12-04-2004, 03:59 PM #11Originally Posted by MESSY_UK
12-04-2004, 04:18 PM #12
depends on how bad the credit is.... verizon's deposits vary from $100 to $1000. mine was $400. i think that's the average for bad credit deposits, though.
12-04-2004, 05:58 PM #13Originally Posted by Red Ketchup
12-04-2004, 06:02 PM #14New Member
- Join Date
- Nov 2004
I am with Verizon right now and i had to deposit the $400. Forget how long until you get that back. I believe a year.
12-04-2004, 06:24 PM #15
Spirit will give anyone a phone.........
12-05-2004, 12:12 PM #16
The underlying factor here is people need to get their credit in check... you only have bad credit if you don't pay your bills... if you don't pay your bills, you don't deserve to be granted credit.
The pay as you go optoin is a good choice here... good idea guys.
12-05-2004, 02:12 PM #17Originally Posted by arthurb999
12-05-2004, 02:29 PM #18
Indeed, my sister had her credit destroyed when she had her purse stolen...
She was in university and only noticed it a few hours later, by then the crooks had loaded up her credit cards and make empty envelope deposits and withdrawls on her ATM card (they prolly got her PIN by looking over her shoulder at the university's ATM).
The credit card debts were cleared as fraud, but the ATM debts she had to pay... and the "empty envelope" deposits ruined her credit for 2-3 years EVEN with a police report of theft and fraud (credit bureau are golden azzholes).
12-05-2004, 02:47 PM #19
I work for a mortgage broker and hear all kind of sob stories but 9.5/10 times it is thier fault... so yes there are exceptions, but they are very rare.
12-05-2004, 06:08 PM #20
i dont agree arthur... i pay ever bill i have ever gotten, and i had CCs stolen and it messed up mine a little, i know alot of ppl who have not so perfect credit bc of a husband or BF or GF who was gettin back at them or so on.. its not always about not paying your bills, im sure on your end thats all you hear, but id also bet you dont honestly deal with enough of the actual population to make a biased decision on it..
12-05-2004, 06:20 PM #21Originally Posted by Decadbal
12-05-2004, 06:23 PM #22
pre paid calling phones are the best for that. you pay as you go.
12-05-2004, 07:16 PM #23
I said there are exceptions but they are rare. Of course people get screwed on divorce (most common i've seen) or co-sign something for their (insert relative here) who doesn't pay. But then again, no one is forcing them to co-sign and they know the risks...
Remeber credit goes along way... we won't hire someone with bad credit, I wouldn't rent to someone with bad credit, and in this case.. they can't even get a cell phone.... case and point.
Check your credit score once a year to make sure nothing funny is going on.
12-06-2004, 08:41 PM #24
Prepay..TIM, OMNITEL, TRACFONE and NTelos are all spots that allow those with bad credit to get cell phone serivce.
12-06-2004, 10:20 PM #25Originally Posted by arthurb999
12-06-2004, 10:45 PM #26ttuPrincess Guest
i have ****ty credit cause im on my moms credit card and her husband screwed that one up
12-07-2004, 12:17 AM #27
attwireless will give u a cell on contract and a free phone as long as u have a credit card or visa debit card to verify u have one.
12-07-2004, 07:43 AM #28Originally Posted by spkmania
12-07-2004, 02:16 PM #29
Bankruptcy does paradoxically build your credit. Another thing that is a lot more convenient is to go buy a car. Don't actually buy it, unless you need it, but go through the process and get approved for financing. THEY WANT TO SELL YOU THAT CAR, and most likely you WILL get approved! Then just don't go through with the purchase or the loan. That hikes up your rating big-time, getting approved for a $20,000 to $40,000 loan.
12-07-2004, 02:41 PM #30ttuPrincess Guest
hey baron can you explain to me why i just got approved a loan for a 25,000 dollar car but I cant get approved for a sofa mart account to by a 1,000 dollar sofa set?
12-07-2004, 03:10 PM #31Originally Posted by ttuPrincess
Because different companies have different score levels, a set number of points that you must reach before they allow you to have credit. Different companys, different credit terms.
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