Plan Build
Does getting a virgin mobile monthly phone plan help you build credit?
I've been trying for months to build credit. I know that virgin mobile doesn't do credit checks, but can you build credit from a virgin mobile account? I have tried everything and have no one to co-sign for me so i'm pretty much on a last resort here. If this doesn't build credit do you know of any ways that can? I have tried a department store credit card, and a bank credit card, and a student credit card since I am in college. HELP PLEASE!!!
Most prepaid wireless services do not help you with credit, ESPECIALLY if they have NO credit check including Virgin Mobile. Companies like Metro, Cricket, Virgin, Boost, and others will not help you build credit.
A way around that is to get the shortest regular non prepaid contract plan you can find.With two or three possible exceptions that I know about. Go to Verizon and ask about their offering. They are a bit pricey on the Prepaid side, but I believe if you stay with them for at least six months in good standing on their prepaid side, it allows you far greater possibility into being allowed on their POSTPAID side which is the side which builds credit. Verizon just expanded their coverage after merging with Alltel last year. Their prepaid coverage used to suck compared to their regular plans, but it is MUCH improved, ESPECIALLY on the West coast.
Sign up for the cheapest one year contract after that if possible. Building credit is a long term project and requires diligence and discipline. I was with Tmobile for 7 years, but went with Boost and don't use my Tmo plans anymore so I'm going to port out . In this economy, you're the exception to the rule. Most people are bailing out of their contracts and going prepaid but to each his or her own. You can also check out Sprint's Spending Limit Program. Technically, Sprint doesn't have a prepaid (Okay, Boost is owned by Nextel which is owned by Sprint, but there is no Sprint Prepaid brand) but if this might help you do something LIKE prepaid AND build credit. You should check with both Verizon customer service and/or Sprint before you commit. You can look up their toll free numbers online. Also, there's Tmobile's Flexpay, which could possibly lead to a regular contract. You don't need good credit for that either. Good luck.http://support.sprint.com/doc/sp10549.xml?&docid=8967&Referring%20DocID%20List%20Index=3&navtypeid=13&pagetypeid=38&prevPageIndex=4
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