Cell Phone Comparison Blog

The main reason people choose prepaid cell phones is not to save money, but to avoid or get rid of an offensive contract agreement. Wireless contracts seem to have been written in the dark ages, and here are some things you need to know about them.

Your wireless contract is about way more than just agreeing to keep the service for a specific amount of time. If you read the fine print you’ll be appalled at some of the terms you are asked to agree to.

No Service? Too Bad.

First of all, there’s the obvious issue of not being able to try the service on before you commit. If your vendor doesn’t work in your neighborhood, too bad; you’ve singed the contract and there’s no backing out for lack of service.

Understand this is NOT uncommon with contract wireless services who rely only on specific tower networks. Prepaid cell phones, on the other hand, will normally work through any tower network that is nearby.

Of course this benefit doesn’t stand when you buy a prepaid plan from a contract vendor. True prepaid cell phone services operate as stand-alone entities, apart from their contract-based competitors.

Instant Contract Renewal Without Your Consent

Once you’re plugged into a contract with a wireless company, don’t plan on simply getting out of it when the time is up. Often, your contract will auto renew unless you specifically cancel it, and many companies will only allow you to cancel on the very last day of the contract term!

You should also know that any time you buy a car charger, extra handset, or calling plan upgrade the sales rep can (and usually does) extend your contract without even telling you about it. This is all fair play according to the contract you signed but probably didn’t read in the beginning.

Contracts You Signed Can Be Changed At Any Time

Perhaps the most outrageous part of wireless contract plans is the fact that the company without your knowledge or consent can change them at any time. Your signature binds you to any changes the company wants to make in the future, including clauses to make it harder for you to get out from under your agreement!

It’s actually shocking that such blatant manipulation and bullying of the consumer is even legal. And frankly it’s little wonder that over 60% of all global wireless users opt for prepaid cell phone service.

Putting Your Foot Down And Ending The Contract Nightmare

Of course the best way to avoid these insane contracts is not to sign them. You should choose a prepaid cell phone plan instead of using a major contract provider.

But if you’ve already been sucked into an unfair contract, what can you do to get out?

You’ll be forced to pay a fee that ranges from $150 to $1,500 if you choose to breech your contract. You could of course hire a lawyer to find a loophole, but you won’t save any money going that route.

Honestly, paying the breech fee is nothing compared to the money you could lose if you stay with your contract provider. So just sucking it up and shelling out is one way to get clear.

Also, be aware that you can’t be forced to pay this fee. So you could simply terminate your account and refuse to pay the breech fee.

Your contract provider will of course report this to credit companies. But no collection team will come to your home demanding the money.

And it’s easy to get a credit counselor to help you dispute an item on your credit report. You’d be surprised what you can get removed with a little persistence.

This advice may not be “white hat” to a lot of people, but how forthright and righteous are these ludicrous contract arrangements we’ve been talking about? The bottom line is: you need to do what’s necessary to stand up for yourself and refuse to be pushed around by these insensitive, money-hungry contract wireless providers.

Tim Whiston
http://www.articlesbase.com/computers-articles/prepaid-cell-phones-dump-your-wireless-contract-now-708278.html

In these modern times of communication people are becoming more and more dependant on the use of cell phones. There are literally hundreds of different plans that all offer completely unique incentives. Unfortunately it is starting to become a little too complicated for most people, therefore if you are one of these people, your best option would be to go with prepaid plan instead of a monthly contracted plan. This article will discuss the major differences between prepaid cell phone plans and monthly plans.

Prepaid Cell Phones

So what exactly are prepaid cell phones and how are they beneficial. Well they are essentially this, a phone plan that you pay for when you need more credit. Basically once you run out of credit, all you have to do is go down to the local 7 eleven or anywhere that offers prepaid credit and top up your account. The benefits of such a plan are that you aren’t locked into any fixed contract so if you decide that you want to change providers you can do so without having to pay any sort of fee.

When people think of prepaid, they think that it will work out to be more expensive then if you were on a plan of some sort, especially if you are someone who uses their cell phone a lot. This of course is not true as there is the option of purchasing a cap plan where you are given a certain amount of credit for the price you pay, however you will only have one month to use the credit. Basically you get about 5 times as much credit as what you paid for. So if you paid $50, you should get around $250 worth of calls, depending on the service provider.

Monthly Plans

The next choice you have to make is whether or not you are best going with a plan or not. Basically the advantage of going with a plan is that you will normally get a free phone when you sign the contract. Prepaid phones require you to purchase your own phone and we all know how expensive they can be! Therefore if you want to get a good phone that is worth a few hundred dollars, you are more than likely going to get it for free on a plan, if not free then for a lot cheaper.

So in summary you need to make the choice of whether having a good phone is important to you and if it is you are better off going with monthly plan, if not then you can buy yourself a cheap phone and get yourself a prepaid sim card and in the end you are going to save a little more money and have the added bonus of not being locked into a contract.

Dane Stanton
http://www.articlesbase.com/cell-phones-articles/all-the-necessary-facts-about-prepaid-cell-phones-72894.html

Even without much promotion, prepaid cellular phones are gaining popularity as Americans continue to look for ways to cut costs. AP Personal Finance Editor Trevor Delaney explains. (Feb. 20)

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Even without much promotion, prepaid cellular phones are gaining popularity as Americans continue to look for ways to cut costs. AP Personal Finance Editor Trevor Delaney explains. (Feb. 20)

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Trace Cell Phones! Visit http://PhoneTrace.Weebly.com and find out the owner of any cell phone or unlisted number. Results include name, address, carrier, and other details when available. Your search is confidential.

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Prepaid cell phones are great in case that you have bad credit. Long time ago when prepaid service was first offered this used to be its main advantage for the user. It did not matter if your credit was lousy, you could still get a cell phone and use it just like if you had a perfect credit.

Cell phones are so common these days it is really difficult to find someone who does not have one. Even if you do, it is in most cases by personal choice (your author was one of these, for the longest time I refused to get it, butt becoming a father changed my mind).

All of us need to be able to communicate with a person we care for and that is the main benefit of cell phones. That is why prepaid service is great, you can get it any time you want and nobody will check your credit history for it.

So what are the main differences (concerning credit checks) between prepaid and non-prepaid service?

Prepaid

With prepaid service you simply buy a cell phone, number and minutes you intend to spend talking and there is no need to worry about how it will impact your credit score. Or for that mater, whether you are going to get a cell phone in the first place.

Prepaid service providers just do not care about your credit rating because in order to use the service it has to be paid for in advance. Because it is paid in advance you pose no risk for the company that provides the service. The good thing about it is that you are %100 in control of your budget and it will not show on your credit report no matter what you do.

But remember, prepaid service is not just for people with bad credit, it is far easier to control your spending this way and you do not lose any of the cell phone service benefits. It is especially suitable for people who do not use cell phones a lot. You do not have the pay monthly bills but are still connected if you need it.

Non-prepaid

Regular, non prepaid service will check your credit score before you are approved. Credit bureaus are constantly informed by
creditors about your payment history, including the cell phones companies. So remember that an unpaid cell phone bill can
result in you being turned down for some other more important credit demand like home or a new car.

With prepaid cell phone service it is never going to happen, because you are %100in control of your budget at any time. It will enable you to easily avoid any trap caused by over spending.

Nikola Govorko
http://www.articlesbase.com/communication-articles/prepaid-cell-phones-and-credit-reports-68732.html