Wow, no major cell phone carrier will have me :(
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I must be alien.... I don't have a credit card :-D Don't use it, I have had a use for it but, just to see how much trouble you can get for it, I'm no way entering into that cirque du freak For me, we should stick to barter economy....don't believe me? ask frenchs how are they doing it? or intend to do as no much of a choice they have left ;P
Credit cards are evil! Problem is to rent a car you need one, unless your lucky, paying with cash they still ask for a card.
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Yes. I will no longer do so. The only exceptions are: Gov't and Security jobs where required by law and well, heh, that's about it! In my personal opinion I have had a lot more trouble having personal credit than not having it. A cell phone company has no need for a credit check if you offer to purchase the phone outright. Just like a hairdresser doesn't need to be fingerprinted yet that is the law in most States. People are so conditioned to accepting anything and everything forced on them that they would allow themselves to be corralled naked through a cattle line and molested by government employees just because they don't understand there are other options. Like saying NO! I have started saying no. To be honest there are a lot of things I can't do anymore but I no longer have the day-to-day stress of the common man. I bought a house that was way cheaper than my income, I drive a used car, and I put my excess income in savings instead of into frivolous expenditures. Heck, I waited until I could tax-deductibly justify a new phone just to make it a better purchase. So, don't listen to me. I am not everyone else.
Need custom software developed? I do custom programming based primarily on MS tools with an emphasis on C# development and consulting. I also do Android Programming as I find it a refreshing break from the MS. "And they, since they Were not the one dead, turned to their affairs" -- Robert Frost
Ennis Ray Lynch, Jr. wrote:
A cell phone company has no need for a credit check if you offer to purchase the phone outright.
Unless you go prepaid you could still run up thousands of dollars in charges (even with 'unlimited' service there's 900, international, etc) with no intent to pay in a single month. Unfortunately too many morons have tried things like that in the past, and unlike most residential utilities the average losses are too high to be mitigatable by a deposit the average consumer can afford to make, even if you could; would you really be comfortable making a loan of several thousand dollars to the phone company interest free.
3x12=36 2x12=24 1x12=12 0x12=18
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Credit cards are evil! Problem is to rent a car you need one, unless your lucky, paying with cash they still ask for a card.
They're only evil if you're stupid enough to carry a balance on them every month. I get between $100-200 a year in rewards
kickbacksfor using mine, and pay the balance in full every month. My uncle runs his small business though one the same way and gets at least 4 free domestic flights a year out of his airmiles. Using a debit card is almost as stupid. If your number ever gets stolen (compromised website, compromised scanner at the store, etc) and your account emptied your bank is under no obligation to replace the missing funds until after their investigation is completed in several weeks to several months after the fact. If your rent/mortgage/car/utility/etc payments all bounce as a result it's your problem not theirs. Disputed charges on a credit card don't count toward your credit limit, result in over the limit charges, or generate interest during the investigation period.3x12=36 2x12=24 1x12=12 0x12=18
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Ok, I have ATT. Can't use it in my house. Constant dropped calls. After getting five dropped calls yesterday I decided it is time to switch. My only rules: Has to be a major carrier, must offer good data plans with android phones, and I must be able to sign up without a credit check. No one will do it. Even if I offer to buy the phone outright and offer a deposit no company will sell me service without a credit check. Sure most of you will be, what's the point. Well you are not my audience. My audience is exclusively the people that are fed up with corporate policies designed to exclude sales to every one but the dumb masses. I want the freedom to swap carriers when they tick me off. (While I mind the full cost of a phone is worth the privilege) What gives?! BTW, the reason I can't go the pre-paid route is that I want to transfer my existing number and keep it. Unfortunately, with prepaid, if there is a billing glitch you stand to lose your number and from what I read most of them have a lot of glitches.
Need custom software developed? I do custom programming based primarily on MS tools with an emphasis on C# development and consulting. I also do Android Programming as I find it a refreshing break from the MS. "And they, since they Were not the one dead, turned to their affairs" -- Robert Frost
>Ok, I have ATT. Can't use it in my house My phone has that problem and I have ATT in some places (it has been dropped many times) while my wifes phone is newer and hasn't been dropped as much and WORKS 100% same place. You sure another phone won't do?
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>Ok, I have ATT. Can't use it in my house My phone has that problem and I have ATT in some places (it has been dropped many times) while my wifes phone is newer and hasn't been dropped as much and WORKS 100% same place. You sure another phone won't do?
I have never had a phone that I was happy with on ATT. It could be just me.
Need custom software developed? I do custom programming based primarily on MS tools with an emphasis on C# development and consulting. I also do Android Programming as I find it a refreshing break from the MS. "And they, since they Were not the one dead, turned to their affairs" -- Robert Frost
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Ennis Ray Lynch, Jr. wrote:
A cell phone company has no need for a credit check if you offer to purchase the phone outright.
Unless you go prepaid you could still run up thousands of dollars in charges (even with 'unlimited' service there's 900, international, etc) with no intent to pay in a single month. Unfortunately too many morons have tried things like that in the past, and unlike most residential utilities the average losses are too high to be mitigatable by a deposit the average consumer can afford to make, even if you could; would you really be comfortable making a loan of several thousand dollars to the phone company interest free.
3x12=36 2x12=24 1x12=12 0x12=18
While what you said sounds logical, I am not sure how credit checks help with this since the entry-score is very low. Unless you have such a low score that you are comparable with someone who has recently filed for bankruptcy, they will always approve you.
Regards, Nish
My technology blog: voidnish.wordpress.com
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Ok, I have ATT. Can't use it in my house. Constant dropped calls. After getting five dropped calls yesterday I decided it is time to switch. My only rules: Has to be a major carrier, must offer good data plans with android phones, and I must be able to sign up without a credit check. No one will do it. Even if I offer to buy the phone outright and offer a deposit no company will sell me service without a credit check. Sure most of you will be, what's the point. Well you are not my audience. My audience is exclusively the people that are fed up with corporate policies designed to exclude sales to every one but the dumb masses. I want the freedom to swap carriers when they tick me off. (While I mind the full cost of a phone is worth the privilege) What gives?! BTW, the reason I can't go the pre-paid route is that I want to transfer my existing number and keep it. Unfortunately, with prepaid, if there is a billing glitch you stand to lose your number and from what I read most of them have a lot of glitches.
Need custom software developed? I do custom programming based primarily on MS tools with an emphasis on C# development and consulting. I also do Android Programming as I find it a refreshing break from the MS. "And they, since they Were not the one dead, turned to their affairs" -- Robert Frost
Feel your pain Ennis. I never got why they need to do this. Maybe it's to discourage people from switching providers. :~
Regards, Nish
My technology blog: voidnish.wordpress.com
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I have never had a phone that I was happy with on ATT. It could be just me.
Need custom software developed? I do custom programming based primarily on MS tools with an emphasis on C# development and consulting. I also do Android Programming as I find it a refreshing break from the MS. "And they, since they Were not the one dead, turned to their affairs" -- Robert Frost
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Ok, I have ATT. Can't use it in my house. Constant dropped calls. After getting five dropped calls yesterday I decided it is time to switch. My only rules: Has to be a major carrier, must offer good data plans with android phones, and I must be able to sign up without a credit check. No one will do it. Even if I offer to buy the phone outright and offer a deposit no company will sell me service without a credit check. Sure most of you will be, what's the point. Well you are not my audience. My audience is exclusively the people that are fed up with corporate policies designed to exclude sales to every one but the dumb masses. I want the freedom to swap carriers when they tick me off. (While I mind the full cost of a phone is worth the privilege) What gives?! BTW, the reason I can't go the pre-paid route is that I want to transfer my existing number and keep it. Unfortunately, with prepaid, if there is a billing glitch you stand to lose your number and from what I read most of them have a lot of glitches.
Need custom software developed? I do custom programming based primarily on MS tools with an emphasis on C# development and consulting. I also do Android Programming as I find it a refreshing break from the MS. "And they, since they Were not the one dead, turned to their affairs" -- Robert Frost
You have the freedom to leave your current carrier, so long as in so doing you are not violating a standing contract. If you have a standing contract, your ability to leave is conditioned upon what the contract says -- which in many cases requires paying one hell of a severance fee to terminate the contract. So the freedom you want is one you already have. However, you do not have a right to cell phone service. There is no law, regulation, rule, or otherwise that says that a carrier must sell you service. Now in most cases a customer won't be turned down without a compelling reason simply because revenue is revenue, and customers are the primary source of said revenue. But at the same time, if they decide to run a credit check, or if it is company policy to run a credit check, it's to determine if you have a habit of not paying bills or of consistently backing yourself into a financial corner where in your ability to pay your monthly charges comes into question. The phone is separate of the service and your ability to buy the phone now is not a reliable indicator of your ability to pay your monthly charges throughout the term of your contract.
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While what you said sounds logical, I am not sure how credit checks help with this since the entry-score is very low. Unless you have such a low score that you are comparable with someone who has recently filed for bankruptcy, they will always approve you.
Regards, Nish
My technology blog: voidnish.wordpress.com
In addition to your score when someone does a credit check they get your history, and if ATT sees you ran up $3k in bills with someone else and have refused to pay a penny then they'll use that as grounds to deny. You can't keep people from pulling that sort of stunt at least once, but serial deadbeats are easy to spot and deny/slap with very large deposits/usage restrictions/etc.
3x12=36 2x12=24 1x12=12 0x12=18
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You have the freedom to leave your current carrier, so long as in so doing you are not violating a standing contract. If you have a standing contract, your ability to leave is conditioned upon what the contract says -- which in many cases requires paying one hell of a severance fee to terminate the contract. So the freedom you want is one you already have. However, you do not have a right to cell phone service. There is no law, regulation, rule, or otherwise that says that a carrier must sell you service. Now in most cases a customer won't be turned down without a compelling reason simply because revenue is revenue, and customers are the primary source of said revenue. But at the same time, if they decide to run a credit check, or if it is company policy to run a credit check, it's to determine if you have a habit of not paying bills or of consistently backing yourself into a financial corner where in your ability to pay your monthly charges comes into question. The phone is separate of the service and your ability to buy the phone now is not a reliable indicator of your ability to pay your monthly charges throughout the term of your contract.
If a company will offer service to anyone regardless of their credit and merely require a larger deposit for said service then it is completely retarded for the aforementioned company to not accept a full deposit in-lieu of a credit check. As far as I am concerned I prefer no-contract service 100%; just not pre-paid service. They are different.
Need custom software developed? I do custom programming based primarily on MS tools with an emphasis on C# development and consulting. I also do Android Programming as I find it a refreshing break from the MS. "And they, since they Were not the one dead, turned to their affairs" -- Robert Frost
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They're only evil if you're stupid enough to carry a balance on them every month. I get between $100-200 a year in rewards
kickbacksfor using mine, and pay the balance in full every month. My uncle runs his small business though one the same way and gets at least 4 free domestic flights a year out of his airmiles. Using a debit card is almost as stupid. If your number ever gets stolen (compromised website, compromised scanner at the store, etc) and your account emptied your bank is under no obligation to replace the missing funds until after their investigation is completed in several weeks to several months after the fact. If your rent/mortgage/car/utility/etc payments all bounce as a result it's your problem not theirs. Disputed charges on a credit card don't count toward your credit limit, result in over the limit charges, or generate interest during the investigation period.3x12=36 2x12=24 1x12=12 0x12=18
Dan Neely wrote:
pay the balance in full every month
Then why using it instead of cash? Although I recognize, you need to be careful and you get the rewards that should be tempting dumber customers to carry balance on theirs...but that alone for me is not worth the effort, Also, local banks here don't give too splendid rewards ;P And I agree with debts too, they only cover their ar$$e$ and leave nothing to customer but what can we do... is quicker than a paycheck and safetier than carrying cash only ;P
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Yes. I will no longer do so. The only exceptions are: Gov't and Security jobs where required by law and well, heh, that's about it! In my personal opinion I have had a lot more trouble having personal credit than not having it. A cell phone company has no need for a credit check if you offer to purchase the phone outright. Just like a hairdresser doesn't need to be fingerprinted yet that is the law in most States. People are so conditioned to accepting anything and everything forced on them that they would allow themselves to be corralled naked through a cattle line and molested by government employees just because they don't understand there are other options. Like saying NO! I have started saying no. To be honest there are a lot of things I can't do anymore but I no longer have the day-to-day stress of the common man. I bought a house that was way cheaper than my income, I drive a used car, and I put my excess income in savings instead of into frivolous expenditures. Heck, I waited until I could tax-deductibly justify a new phone just to make it a better purchase. So, don't listen to me. I am not everyone else.
Need custom software developed? I do custom programming based primarily on MS tools with an emphasis on C# development and consulting. I also do Android Programming as I find it a refreshing break from the MS. "And they, since they Were not the one dead, turned to their affairs" -- Robert Frost
> I will no longer do so. The only exceptions are: Gov't and Security jobs where required by law and well, heh, that's about it! I don't necessarily agree with your reasoning. At least what the cell phone companies are doing basically conforms to the original purpose of credit scoring, i.e. to determine how likely you are to pay your bills.
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Dan Neely wrote:
pay the balance in full every month
Then why using it instead of cash? Although I recognize, you need to be careful and you get the rewards that should be tempting dumber customers to carry balance on theirs...but that alone for me is not worth the effort, Also, local banks here don't give too splendid rewards ;P And I agree with debts too, they only cover their ar$$e$ and leave nothing to customer but what can we do... is quicker than a paycheck and safetier than carrying cash only ;P
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I just found out they will do it for Business Accounts so I may just spin-up a one-time use company. Cash talks, or it should.
Mike Mullikin wrote:
On the flip side, I know that having excellent credit greases the wheels and makes many things in life much easier.
Need custom software developed? I do custom programming based primarily on MS tools with an emphasis on C# development and consulting. I also do Android Programming as I find it a refreshing break from the MS. "And they, since they Were not the one dead, turned to their affairs" -- Robert Frost
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Ennis Ray Lynch, Jr. wrote:
Cash talks, or it should.
Not really - Cash says "He has money right now" while a good credit score says "He has a steady income". Big difference when you're not pre-paying.
Not really. There are a lot of older individuals with a steady income for decades with a poor credit score because they paid off their houses 20 or 30 years ago and never applied for credit sense.
Need custom software developed? I do custom programming based primarily on MS tools with an emphasis on C# development and consulting. I also do Android Programming as I find it a refreshing break from the MS. "And they, since they Were not the one dead, turned to their affairs" -- Robert Frost