What is the minimum credit score for a phone contract?

Lastly, you can get a cell phone plan with no credit if you have a co-signer, just like with a loan. The way it works is simple: someone who has good credit acts as the co-signer, and the account is placed in his or her name. You are then added to the account.

How much credit do you need for a phone line?

While there is no minimum credit score that will ensure a cell phone contract approval, providers may use your score to assess creditworthiness. A higher score may help you secure more preferable options.

What is the easiest cell phone company to get approved?

Can you get a contract phone if you have bad credit?

There’s no minimum credit score to get a phone contract. Every network operator scores you differently—so even if one network won’t give you a contract, you might have more luck elsewhere. Having bad credit doesn’t stop you from getting a phone contract, but it might make it harder.

Is financing a phone a hard pull?

If you’re financing through a phone manufacturer or third party, they may place a hard inquiry, also known as a hard credit check, on your credit report. This could result in a credit score drop.

Does T-Mobile do a hard pull?

Yes, for many of our products and services. We may get information about your credit history from credit-reporting agencies, which may affect your credit rating. We may also report your payment record to credit-reporting agencies.

What credit score do you need for a cell phone?

There’s no single minimum credit score requirement for cell phone contracts. However, carriers typically use these benchmarks: 600 and above: Considered good. 700 and above: Considered excellent.

What carrier does not check credit?

Prepaid cell phone plans don’t require a credit check. That’s because you pay in advance for your service, usually on a monthly basis, so there’s no risk for the cell phone provider. The three major carriers — Verizon, T-Mobile and AT&T — offer prepaid plans, often for less than their traditional plans.