It seems like everyone these days needs to know how to obtain contract phones without having to undergo a credit check. Times are tough, and even the most diligent of us might have recently lost a house, a car, or of course, a job, dealing a temporary blow to our credit rating. Sacrifices certainly must be made, but the mobile phone is not a luxury to be discarded. It has become a necessary tool for fighting back during hard times, and people who are rebuilding need one even more than those more fortunate.
Phone companies using telemarketers are paying out commissions on each new customer they gain. This means they have an extra incentive to make certain these new customers will not default on their third or fourth monthly payment. Hence greater scrutiny, including a thorough search of applicants’ financial histories .
By contrast, employees at phone company stores or kiosks are typically being paid on an hourly basis without commissions. Companies who use this method but who do not telemarket will likely be free to accept a higher degree of risk. This means those who wish to get a mobile phone without too much inquiry into their history might choose to visit their local strip mall.
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.
T-Mobile and its niche competitors, Orange and 3 Mobile, all seek the largest global customer base possible. Though they do not advertise this, if people with credit problems apply directly online, they are likely to be accepted. Since they are in tough competition with each other, there are often great deals available, too.
Anyone worried about their checkbook probably should not be squandering money on the fanciest cell phone out there, but this is not just to save cash upfront. The important to realize is that a better score is needed for more expensive cell phones, so it really is better to select the least expensive option. Doing so increases your chances of being selected.
Another option for those trying to avoid an inquiry is the SIM card-only phone service. This is a great choice for anyone who never got around to throwing away the old phone that came with the old suspended phone service. Since the phone company does not have to provide the phone itself, they can charge their customers considerably less than other services while providing more text and minutes. SIM card-only services are offered by the T-Mobile, Orange, and 3 Mobile networks, but on a convenient, rolling 30-day contract instead of longer, fixed term contracts. For price and flexibility the SIM card-only service is probably the best option available for those interested in how to obtain contract phones without credit checks.
Check out our article for tips on how to obtain bad credit mobile contracts. You can also find details about the benefits of contract phones with no credit checks, now!
