What credit score do you need for no-deposit cell phone?
460810
most companies checking credit to give you either a credit card or cell phone etc would like to see a minimum of about 620, if you have atleats 670 you can get better interest rates on loans and better credit deals.
626302
you can buy your score at www.myfico.com\n\nIt's 12.95 last time I checked.\n\nI also got a free score when I went to a workshop at a mortgage company, they do a combined  pull from all three and the score was on it.
406497
There are 2 types of credit inquiries, Hard, such as when you apply for credit, and soft, when you are just accessing the credit information.  To get your credit score, and avoid a hard inquiry, go to each of the 3 major credit bureaus websites (experian.com, equifax.com and transunion.com) and do a SINGLE bureau report with score.  They run approx. $15.00 each
442410
Try applying for Cap1 or Discover.  If you get denied you may have collections or something else negative on credit.  You'll want to open a secured account at either Bank of America or Wells Fargo where you will put money into a savings to act as collateral.  When you close the account you'll get that money back plus some interest.  Stay far away from companies offering a secured account that don't ask for a deposit.  They will give you a card with a full balance!  If the card has a $200 balance, you will owe $200 of the bat.  They say that they're doing you a favor because if you pay them on time you'll get better credit.  Your credit score is determined by a large part by your balance-to-credit limit ratio.  The lower you keep your balances compared to your credit limits, the better your score will be.  Using these scam cards you are giving yourself a ratio of 100%!  Stay with the big dogs or your trusted local bank if you go with a secure account.  Keep your ratio under 50% and your payments on time and you'll get offers for unsecured credit cards in 6 months or less.  Get two or three of those (keeping them under 50%) and you can close the secured account, take your deposit, and buy yourself a "congratulations" gift with the $200.
191519
Studly is correct about "credit" accounts with banks.\n\nIf you are talking about Checking & Savings accounts, they don't report to your credit file as long as you keep them in good standing at the bank.\n\nIf you fail to pay a NSF check you may get a negative reporting on your credit file from the bank or the collection agency and you may get a negative entry on you Chex System file, which may mean it will be difficult for you to get a checking account at another major bank.
528858
You can get your free credit report (no fees, catches or anything) from http://www.annualcreditreport.com\n\nCurrently the law does not require them to give you a free credit score.  YOu need to pay for that.  Many places offer yo a score, but it's not the FICO score that most lenders request.  To get that, you need to visit http://www.myfico.com\n\nYou should be able to get a bank account, just keep checking around.
646015
we dont have credit score in india
941238
I'm a nationally known credit score expert.\n\nDo you mean "good" or "excellent"? \n\nGood for mortgage lending would be 680-719. Excellent would be 720+.\n\nFor auto lending, excellent would be 740+, which would qualify you for those great rates advertised on TV "for highly qualified buyers". Some of these programs are 720+, 730+. 735+ depending on the actual promotion's minimum score.
678948
There are many subprime lenders that will provide 100% financing towards the purchase of a home for 1st time home buyers down to a 580 fico score.  Seek out the help from a mortgage broker, who will review your credit profile, income and job status and place you with a bank where you qualify.  There are a variety of loans to choose from and lenders that specialize in no money down purchases depending on your particular needs.  Remember, continue to make payments on time as this will help raise your fico score.  To get a copy of your credit reports, go to myfico.com- it is secure and provides you with the scores from all three credit bureaus.  There is even a fico score simulator that helps you make appropriate decisions regarding your credit.  Finally, when shopping for a loan keep in mind that the more your credit is pulled, the more it affects your score- so be wise about how many places run your credit.
552185
I'm not sure about that. I got my cell phone from Verizon when I was 18 and I didn't have any credit at the time.  I don't think you'll have a problem, but I would just check with each company first.  There's no harm in that.  If it turns out that you need credit, then try and get your folks to put it in their name.  You can pay the bill and eventually put it in your name when you're ready.  All you have to do is fill out a name switch form. Good luck.
336408
This is one of the most common questions on this board.\n\nHow do I build/establish credit?\n\nFirst off you need to be educated about how credit works in the U.S.  Every credit decision a lender makes is driven by FICO credit scores. You can go to www.myfico.com and look in the Credit Education section to learn how FICO credit scores are determined. To build your credit you have to place positive credit items on your file that will report positively for 6-12 months minimum. If you want your credit to be in the Excellent category (FICO score 720+) then your goal should be to have 3-6 revolving accounts(dept. store, gas cards, Visa. etc.) and 1-2 installment loans(car, mortgage) that are reporting positively.\n\nI would start out with a Bank of America or Wells Fargo secured Visa card. Both banks have great programs with low annual fees, low starting amounts ($300.00) and no junk fees. After 12 months of positive on time payments you will graduate to an unsecured status. Then you will probably be approved for other cards such as dept. store and gas cards.\n\nP.S. Stay away from crap like entrustsystems.com. It is a major ripoff and DOES NOT HELP your credit. Also, most "pre paid" debit cards are a rip off for the consumer. Just get a checking account with a VISA debit card. \nGood Luck
1119447
It can vary greatly depending on various personal factors.  You will need at least 5 lines of credit that are well seasoned (at least two years of on time payments and low balances with high limits available.  The trick is to have a substantial amount of credit available and not to use it all.  A home mortgage paid on time for a minimum of 12 months will boost your score as well.  Do not open a bunch of accounts in a short period of time.  Do not apply for accounts that you uncertain whether they will approve you or not.  The other factor is to have successfully paid off a few installment accounts that show as paid in full on a timely basis.  Do not apply for motgages, auto loans, etc; if you have opened accounts that are less than 5 months old.  Newly opened accounts count against your scores.  You can sign up with a credit monitoring service for around $10 per month that will notify you by email every time something changes on your credit bureau accounts, including scores.  It is also useful in protecting yourself against identity theft and acts as an excellent early warning system in the event of unusual activity.\n   Remember, pay on time, keep balances low, ask for limit increases every six months or so.  Maintain several accounts of various kinds.  Pay some off and establish a solid record of responsible borrowing.  Good luck.
487673
Truth - if you live in the US, you are now entitled to one free credit report each year from each of the three major reporting agencies (Equifax, Experian, and Transunion).   To access your TOTALLY FREE NO STRINGS ATTACHED credit report, go to www.annualcreditreport.com (see link below).  You will NOT need to input any credit card or bank account numbers.\n\nAs obe231 has already said, get one agency's report every four months and you will NOT have to sign up for a credit watch service.\n\nfreecreditreport.com is NOT truly free.  If you do not cancel your subscription, they will continue to charge you for their credit watch service.
23089
You should open a credit card.  Even if you are not going to use it, you must have credit to establish credit.  There is a great article below that will explain this is detail.
524054
There two situation when entities can check your credit score:\n\n1. When applying for service with a compny / bank etc.\n2. When the banks / companies buy your personal information and credit score from the credit bureaus.\nBy law(Federal Credit Reporting Act), you can opt-up, that is choose not to have the credit reporting agencies share your personal information with banks and lenders (so that you don't receive credit card offers for example).\n\n\nHope that was useful.
846434
The score ranges from 300 to 850, with the average being around 720.  Your score, being below average, means that you may qualify for some loans and credit cards, but your interest rate will most likely be higher than someone with a better score.  \n\nSome creditors might feel there is more of a risk associated with lending money to you because there has probably been a history of late or missed payments, or collection type accounts in your credit record.
627745
If you consistently use your mobile very, very occasionally, and only for domestic calls, then a pre-paid phone could be the lowest cost option.  \n\nOne thing to keep in mind is that with prepaid plans, you have to buy the phone, which even after rebates/incentives, can cost $75 or more for something other than a very, very basic model.\n\nAlso, if a person has lousy credit, a prepaid phone can be a good way to go (no credit check).\n\nContracts are not a rip off for everyone.  I have a monthly plan, I pay about $50 including all taxes.  I committed for one year intially, I am now month to month.  My mobile phone is my only phone, so I use it a fair bit, meaning that a monthly plan makes sense financially.  I got my phone for free when I signed up for the plan about two years ago now (and it is not the most basic model).