Comments on: Do You Need a Credit History to Get a Cell Phone? http://financefreelancelife.com/2008/05/04/do-you-need-a-credit-history-to-get-a-cell-phone/ Thu, 18 Mar 2010 22:58:55 +0000 http://wordpress.org/?v=2.9.1 hourly 1 By: Will Replacing An Uninsured Cell Phone Cost a Lot? http://financefreelancelife.com/2008/05/04/do-you-need-a-credit-history-to-get-a-cell-phone/#comment-18422 Will Replacing An Uninsured Cell Phone Cost a Lot? Thu, 15 May 2008 20:31:53 +0000 http://financefreelancelife.com/?p=610#comment-18422 [...] is something you have to think of ahead of time. But it’s still a good idea if you’re a cell phone user. If you get a new phone with your contract renewal, put the old one somewhere safe. I donated my [...] [...] is something you have to think of ahead of time. But it’s still a good idea if you’re a cell phone user. If you get a new phone with your contract renewal, put the old one somewhere safe. I donated my [...]

]]> By: Carnival of Personal Finance #152 — Money Under 30 http://financefreelancelife.com/2008/05/04/do-you-need-a-credit-history-to-get-a-cell-phone/#comment-18212 Carnival of Personal Finance #152 — Money Under 30 Mon, 12 May 2008 13:35:14 +0000 http://financefreelancelife.com/?p=610#comment-18212 [...] year of finances as he tries to get out of debt. In debt yourself? Perhaps you’re wondering: do you need a credit history to get a cell phone? Mrs. Micah fills you in. Meanwhile, Ryan from Uncommon Cents talks about 401(k) [...] [...] year of finances as he tries to get out of debt. In debt yourself? Perhaps you’re wondering: do you need a credit history to get a cell phone? Mrs. Micah fills you in. Meanwhile, Ryan from Uncommon Cents talks about 401(k) [...]

]]> By: Keith Lauren http://financefreelancelife.com/2008/05/04/do-you-need-a-credit-history-to-get-a-cell-phone/#comment-18062 Keith Lauren Wed, 07 May 2008 20:24:42 +0000 http://financefreelancelife.com/?p=610#comment-18062 Yea, your credit has to be pretty bad to not get a phone. I think they look at what type or credit good / bad you have more than a credit score because my brother who has terrible credit was able to get a Cingular phone with no deposit. Yea, your credit has to be pretty bad to not get a phone. I think they look at what type or credit good / bad you have more than a credit score because my brother who has terrible credit was able to get a Cingular phone with no deposit.

]]> By: SavingDiva http://financefreelancelife.com/2008/05/04/do-you-need-a-credit-history-to-get-a-cell-phone/#comment-17943 SavingDiva Mon, 05 May 2008 16:54:47 +0000 http://financefreelancelife.com/?p=610#comment-17943 I opened up a student credit card my freshman year of college because my parents recommended it. I didn't actually use it until my junior year. :( I opened up a student credit card my freshman year of college because my parents recommended it. I didn’t actually use it until my junior year. :(

]]> By: Heidi http://financefreelancelife.com/2008/05/04/do-you-need-a-credit-history-to-get-a-cell-phone/#comment-17942 Heidi Mon, 05 May 2008 15:17:09 +0000 http://financefreelancelife.com/?p=610#comment-17942 My maternal grandfather, who pays cash for everthing (including his brand new house) couldn't get a mobile phone without a co-signer. He didn't have bad credit, he had no credit, much like Mrs. Micah. It just blew my mind that a man with a net worth of over $2 million couldn't get a plan on his own. My maternal grandfather, who pays cash for everthing (including his brand new house) couldn’t get a mobile phone without a co-signer.

He didn’t have bad credit, he had no credit, much like Mrs. Micah. It just blew my mind that a man with a net worth of over $2 million couldn’t get a plan on his own.

]]> By: Eden http://financefreelancelife.com/2008/05/04/do-you-need-a-credit-history-to-get-a-cell-phone/#comment-17939 Eden Mon, 05 May 2008 14:58:48 +0000 http://financefreelancelife.com/?p=610#comment-17939 Well, I don't have great credit, but I assume it's good enough for a cell phone. That being said, I opted for a prepaid cell phone plan simply because I rarely use my cell phone and this was far less expensive for me. I don't believe they did a credit check for the prepaid plan (wouldn't make much sense to me), but I guess it is possible. BTW- paying less than $200 per *year* for my cell phone has been great! Well, I don’t have great credit, but I assume it’s good enough for a cell phone.

That being said, I opted for a prepaid cell phone plan simply because I rarely use my cell phone and this was far less expensive for me. I don’t believe they did a credit check for the prepaid plan (wouldn’t make much sense to me), but I guess it is possible.

BTW- paying less than $200 per *year* for my cell phone has been great!

]]> By: Mrs Micah's Mom http://financefreelancelife.com/2008/05/04/do-you-need-a-credit-history-to-get-a-cell-phone/#comment-17935 Mrs Micah's Mom Mon, 05 May 2008 14:10:17 +0000 http://financefreelancelife.com/?p=610#comment-17935 When I had my first job in the US, long before cell phones, I had to pay a deposit to get a landline. It was repaid separately from my bill and included 7% interest on the deposit. I was delighted, but they wouldn't take any more deposits. I should have bought their stock, but I wasn't as savvy about finances are you all are. When I had my first job in the US, long before cell phones, I had to pay a deposit to get a landline. It was repaid separately from my bill and included 7% interest on the deposit. I was delighted, but they wouldn’t take any more deposits. I should have bought their stock, but I wasn’t as savvy about finances are you all are.

]]> By: Trent Hamm http://financefreelancelife.com/2008/05/04/do-you-need-a-credit-history-to-get-a-cell-phone/#comment-17928 Trent Hamm Mon, 05 May 2008 12:43:41 +0000 http://financefreelancelife.com/?p=610#comment-17928 There are a lot of typical purchases like these that are difficult with bad credit. Auto insurance is another one. There are a lot of typical purchases like these that are difficult with bad credit. Auto insurance is another one.

]]> By: Dad http://financefreelancelife.com/2008/05/04/do-you-need-a-credit-history-to-get-a-cell-phone/#comment-17917 Dad Mon, 05 May 2008 04:47:18 +0000 http://financefreelancelife.com/?p=610#comment-17917 There are also pay as you go plans. This neither requires nor helps your credit report but it is a way to get started with cell phone service. It tends to be more expensive unless you use it lightly. There are also pay as you go plans. This neither requires nor helps your credit report but it is a way to get started with cell phone service. It tends to be more expensive unless you use it lightly.

]]> By: Vered - MomGrind http://financefreelancelife.com/2008/05/04/do-you-need-a-credit-history-to-get-a-cell-phone/#comment-17914 Vered - MomGrind Mon, 05 May 2008 02:42:15 +0000 http://financefreelancelife.com/?p=610#comment-17914 When I came to the United States, from Israel, 10 years ago, I didn't have any credit history either, and that's exactly how I was able to get a cell phone. It does work. Glad you found a solution! When I came to the United States, from Israel, 10 years ago, I didn’t have any credit history either, and that’s exactly how I was able to get a cell phone. It does work. Glad you found a solution!

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