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Credit History Requirements for a Mobile Phone Contract

How Much Credit History is Needed for a Mobile Phone Contract?

Mobile phones are very popular forms of technology to have these days–whether it be an Iphone, Smartphone, Google Android, or other new gadget. These “toys” can help consumers stay in contact with their friends and family. Is it easy to get a mobile phone on contract? Do mobile phone companies require credit for mobile phone contracts?

How to Get a Mobile Phone on Contract

The amount of credit that mobile phone companies require consumers to have varies by carrier. Mobile phone companies may allow consumers to receive a cell phone even without any established credit. The decisions to allow consumers to own a mobile phone vary greatly by how well the company is currently doing. Companies compete for consumers’ business so they may be willing to make exceptions to the credit history rule—especially if sales are down and the company struggles to compete with other mobile phone companies.

Here are the ways that consumers can own a mobile phone with a contract:

  • They must have the credit score required by the company. Mobile phone companies may or may not disclose their specific credit score requirements. Consumers are either accepted or denied credit to receive a cell phone. A strong credit score is always good to have.
  • They have the desired amount of credit history required by the company. Many mobile phone companies only require a small amount of credit history to receive a mobile phone. A credit card or small loan with good payment history will do just fine.
  • Consumers can pay a deposit. Those who do not meet the credit and credit history requirements may have to pay a deposit to receive a mobile phone on contract. The deposits usually vary in amounts from around $50 to a few hundred dollars, depending on the mobile phone company that consumers choose.
  • Consumers can get a family plan. It is common for consumers to get a mobile phone plan with a few family members. In addition to saving money, consumers also do not have to meet a certain credit or credit history requirements since the phones are not in the names of all family members.
  • They can add a line to someone else’s account. A sibling or parent makes a great choice to add a line to their account. The add-on line does not have to meet any requirements because they are receiving a phone under someone else’s name.
  • Shop around for mobile phones. It always pays to do the research before signing up for a contract. Mobile phone companies that are smaller and less popular may have requirements that are a little more flexible that the big name mobile phone companies. Consumers should find out what the requirements are for each mobile phone company that they are considering.

There are more options than one that can assist consumers with receiving a mobile phone on contract. Mobile phone companies are a little more flexible in their requirements at certain times during the year. As the economy declines, it may be easier for consumers to receive a cell phone on contract. Keep reading to learn more about bulding easy credit.

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