During our rough economy, more and more people are busy finding out how to obtain contract phones without having to undergo a credit check. We might be reasonably responsible people who suffered a setback during this recession, who might have lost a job, or a house. These days everyone has their own story, but none of that changes the fact that we need our cell phones if we are going to bounce back.
From the standpoint of the phone company, the way they have chosen to market themselves influences their flexibility with applicant financial searches. Any company whose marketing strategy prominently features telemarketing has to be more cautious because it is paying out commissions. The last thing they want to do is find they have paid out commissions on new customers who might default in month two of a ten month contract. This in turn means these companies will be more cautious, and check prospective customer credit scores.
Anyone shopping to avoid having their history run should visit a store or kiosk in their local mall. That friendly helper behind the desk is probably paid a straight wage with no commission involved. This means just a little less risk, and a company with enough customers might figure it can absorb the odd higher-risk customer, and might therefore choose to overlook the formality of a credit check.
The leading companies in this area are T-Mobile, 3 Mobile and Orange. These companies are at the forefront of providing inexpensive mobile phones to a diverse public. The principle is to keep down overhead to be able to absorb more risk. If kiosks are cost-effective, applying directly online is even more so. In fact, one can be rejected when applying in a mobile phone store only to be accepted by the same company, but after applying directly online.
Companies in this sector look to attract very deep customer bases drawn from all over the world. Neither giant T-Mobile nor its market rivals are going to deliberately market themselves as down market, so you will not find anyone advertising that no credit checks are needed. But for them, sheer size is part of the business plan. It is no surprise they leave the door wide open.
3 Mobile, together with Orange, represent the primary alternatives to T-Mobile, and neither of them is any more eager than T-Mobile to advertise that they do not require credit checks. They do share the T-Mobile intention to have an enormous, truly global customer base, and will turn away almost no one who applies directly online.
It is certainly best to choose an inexpensive cell phone. This is not just a matter of saving cash, or avoiding the appearance of vanity. Better credit is usually needed to purchase the better phones, so selecting one might make you subject to having a check run which you might otherwise have avoided.
The SIM card-only option is the least expensive of all, and it certainly does not demand any search. It does however demand that you have still kept an old cell phone. Since the company does not have to provide a cell phone itself, it is free to pass on the savings to its customers. Each of the three major phone companies under discussion offers its own SIM service for customers interested in how to obtain contract phones without having to undergo a credit check.
From the standpoint of the phone company, the way they have chosen to market themselves influences their flexibility with applicant financial searches. Any company whose marketing strategy prominently features telemarketing has to be more cautious because it is paying out commissions. The last thing they want to do is find they have paid out commissions on new customers who might default in month two of a ten month contract. This in turn means these companies will be more cautious, and check prospective customer credit scores.
Anyone shopping to avoid having their history run should visit a store or kiosk in their local mall. That friendly helper behind the desk is probably paid a straight wage with no commission involved. This means just a little less risk, and a company with enough customers might figure it can absorb the odd higher-risk customer, and might therefore choose to overlook the formality of a credit check.
The leading companies in this area are T-Mobile, 3 Mobile and Orange. These companies are at the forefront of providing inexpensive mobile phones to a diverse public. The principle is to keep down overhead to be able to absorb more risk. If kiosks are cost-effective, applying directly online is even more so. In fact, one can be rejected when applying in a mobile phone store only to be accepted by the same company, but after applying directly online.
Companies in this sector look to attract very deep customer bases drawn from all over the world. Neither giant T-Mobile nor its market rivals are going to deliberately market themselves as down market, so you will not find anyone advertising that no credit checks are needed. But for them, sheer size is part of the business plan. It is no surprise they leave the door wide open.
3 Mobile, together with Orange, represent the primary alternatives to T-Mobile, and neither of them is any more eager than T-Mobile to advertise that they do not require credit checks. They do share the T-Mobile intention to have an enormous, truly global customer base, and will turn away almost no one who applies directly online.
It is certainly best to choose an inexpensive cell phone. This is not just a matter of saving cash, or avoiding the appearance of vanity. Better credit is usually needed to purchase the better phones, so selecting one might make you subject to having a check run which you might otherwise have avoided.
The SIM card-only option is the least expensive of all, and it certainly does not demand any search. It does however demand that you have still kept an old cell phone. Since the company does not have to provide a cell phone itself, it is free to pass on the savings to its customers. Each of the three major phone companies under discussion offers its own SIM service for customers interested in how to obtain contract phones without having to undergo a credit check.
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