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It may be a little challenging sometimes to find a good cellular plan with bad credit. Cell phone businesses, like Verizon, Sprint, T-Mobil and AT&T usually offer their premium plans only to customers with good credit. If you are not lucky enough for this to apply to you, you may want to try some of the following:

Compare the offers. Credit requirements vary from carrier to carrier and what might be too low for one carrier to even consider might be fine for another.

Get a co-signer. This is typically how teenagers who have not yet entered the credit system will get a cell phone plan. If your credit is poor, you can always consider getting a co signature from a parent, relative or spouse

Get a pre-paid plan. Some cell carriers will allow you to pre-pay your cell bill and max out your usage before you run up a monstrous tab. This is a great way to get on board, although you do have to be conscious of your minutes.

Pay a security deposit. This is a very easy method, but a costly one as well. Be very careful with this method, as it is usually an easy way to seduce money out of people with bad credit. Cell phone businesses may charge a security deposit that is several times the cost of a monthly payment.

Fortunately for you, opening up a trade line is always an opportunity to help yourself out of bad credit; cell phone businesses are no exception. Be sure to pay your bills on time, and it will help generate some extra points on your credit score.

This Business article was written by Mark Karavan on 1/2/2010