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This is something my mother is facing right now. Her credit score is already rotten. Although she's made some bad decisions, it's also because her husband, who passed away in 2006, had even worse credit, and used her name on his loans, and her son signed her name on checks multiple times without her permission, effectively stealing from her (and many of those checks bounced!). Now she's facing another huge bill from Verizon (there have been many). The data plans on my brother's (who she signed a wireless internet contract for) and sister's phone (a Blackberry) and unlimited text messages are main culprits. Well, my brother (21) is in the psych ward after attempting to commit suicide in front of her, and my sister (16) is on probation after stabbing a girl in self-defense. Interestingly, she does not have a cell phone, although I've always encouraged her to get one.
So now she doesn't want to pay the phone bill, and just go with cheap, pre-paid phones. I think that's smart. The problem is by doing that, she would back out of the contract she signed with Verizon, further damaging her credit score. However, as I said, her credit score is already extremely low. She has far more important things to spend the money on than cell phones, especially lavish data plans. What should she do? My sister, of course, will have a fit, but I don't think that's a pressing issue.
This is something my mother is facing right now. Her credit score is already rotten. Although she's made some bad decisions, it's also because her husband, who passed away in 2006, had even worse credit, and used her name on his loans, and her son signed her name on checks multiple times without her permission, effectively stealing from her (and many of those checks bounced!). Now she's facing another huge bill from Verizon (there have been many). The data plans on my brother's (who she signed a wireless internet contract for) and sister's phone (a Blackberry) and unlimited text messages are main culprits. Well, my brother (21) is in the psych ward after attempting to commit suicide in front of her, and my sister (16) is on probation after stabbing a girl in self-defense. Interestingly, she does not have a cell phone, although I've always encouraged her to get one.
So now she doesn't want to pay the phone bill, and just go with cheap, pre-paid phones. I think that's smart. The problem is by doing that, she would back out of the contract she signed with Verizon, further damaging her credit score. However, as I said, her credit score is already extremely low. She has far more important things to spend the money on than cell phones, especially lavish data plans. What should she do? My sister, of course, will have a fit, but I don't think that's a pressing issue.
Cancelling a cell phone contract won't damage her credit. Not paying the bill is what will damage her credit. Prepaid is a good way to go, IF she doesn't use it very much, otherwise prepaid can get pretty expensive.
Cancelling a cell phone contract won't damage her credit. Not paying the bill is what will damage her credit. Prepaid is a good way to go, IF she doesn't use it very much, otherwise prepaid can get pretty expensive.
She wouldn't, and neither would I. Can't say the same thing of my sister, who is practically addicted to her phone. However, she has a job, and she would pay the phone herself. She actually wanted me to sign her up for a contract at AT&T, but I'm refusing to until we find out what's going to happen to her. She's facing some pretty serious charges.
Cancelling a cell phone contract won't damage her credit. Not paying the bill is what will damage her credit. Prepaid is a good way to go, IF she doesn't use it very much, otherwise prepaid can get pretty expensive.
Yes, but ... if she cancels the contract early, she'll get a (usually hefty) cancellation fee slapped onto her bill. So that bill she already can't pay will get even bigger.
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