How to Bypass Verizon Credit Check | A Guide to Getting Approved


Career Consultant & Blog Writer

Published: June 5, 2023 | Updated: May 24, 2024

Are you looking to bypass the Verizon credit check but don’t know how to bypass Verizon credit check? To bypass the Verizon credit check, you have several options:

  • #1. Choose a Verizon prepaid plan that does not require a credit check.
  • #2. Find a guarantor or co-signer with good credit who can vouch for your financial responsibility.
  • #3. Provide a security deposit to demonstrate your commitment to fulfilling payment obligations.

Verizon is a popular wireless service provider in the United States, offering a range of plans and devices to meet customers’ communication needs. When signing up for a postpaid plan with Verizon, one important step in the approval process is the credit check. In this article, we will explore how you can bypass the Verizon credit check and still get access to their services. We’ll discuss various options, such as prepaid plans, finding a guarantor or co-signer, and providing a security deposit.

Understanding Verizon Credit Check

A Verizon credit check is a process that evaluates an individual’s creditworthiness before approving them for a postpaid plan. It involves examining the applicant’s credit history, including their payment history, outstanding debts, and overall creditworthiness.

Why does Verizon perform credit checks?

Verizon performs credit checks to minimize risk and ensure that customers can fulfill their financial obligations. By assessing the creditworthiness of applicants, Verizon can determine whether they are likely to pay their monthly bills on time.

Common reasons for failing a Verizon credit check

There are several reasons why an individual may fail a Verizon credit check. These can include:

  1. A history of missed or late payments,
  2. High credit card balances,
  3. A low credit score, or having no credit history at all.

Verizon credit check requirements

While the exact credit check requirements may vary,

  • Verizon generally looks for applicants with a good credit history,
  • A demonstrated ability to make timely payments and
  • Responsible credit utilization.

Best Ways How to Bypass Verizon Credit Check

How to Bypass Verizon Credit Check

Option 1: Prepaid Plans

Prepaid plans offer an alternative to postpaid plans that require a credit check. With a prepaid plan, you pay for the service in advance, eliminating the need for a credit check. Prepaid plans are suitable for those who want to avoid credit checks or have difficulty passing them.

One advantage of prepaid plans is the flexibility they provide. You can choose the amount of data, voice minutes, and text messages you need without being tied to a contract. Additionally, prepaid plans often include features such as unlimited talk and text.

To sign up for a Verizon prepaid plan, visit their website or a Verizon store. Select the plan that suits your needs and follow the instructions to activate your prepaid service. Keep in mind that while prepaid plans offer flexibility, they may have limitations compared to postpaid plans, such as fewer device financing options.

Option 2: Find a Guarantor or Co-Signer

If you’re determined to get a postpaid plan with Verizon but have a less-than-ideal credit history, finding a guarantor or co-signer could be an option. A guarantor or co-signer is someone who agrees to take responsibility for your financial obligations if you fail to make payments.

A guarantor or co-signer with a good credit history can help bypass the credit check process, as their creditworthiness is considered in addition to yours. They essentially guarantee that the bills will be paid, reducing the risk for Verizon.

To find a guarantor or co-signer, start by reaching out to friends or family members who have a good credit history and are willing to assist you. Make sure to discuss your intentions and responsibilities openly, as this is a significant commitment for the guarantor or co-signer.

Option 3: Provide a Security Deposit

Another way to bypass the Verizon credit check is by providing a security deposit. A security deposit is a sum of money that you pay upfront as a guarantee to cover any outstanding bills. This serves as a safeguard for Verizon in case of non-payment.

By providing a security deposit, you can demonstrate your commitment to fulfilling your financial obligations, even if your credit history is less than perfect. The security deposit amount required by Verizon may vary, so it’s important to inquire about the specific details.

To provide a security deposit, contact Verizon’s customer service or visit a Verizon store. They will guide you through the process and inform you of the necessary steps to complete the transaction.

Option 4: Bring Your Device

Another way to bypass Verizon’s credit check is by bringing your own device (BYOD). Instead of purchasing a new device through Verizon, use your existing compatible device. By opting for a BYOD option, you may be able to avoid the credit check altogether.

Option 5: Authorized User

If you have a friend or family member with good credit, you can ask them to add you as an authorized user on their Verizon account. As an authorized user, you’ll be able to enjoy Verizon services without undergoing a credit check. However, be sure to communicate and maintain a healthy relationship with the account holder as any issues on the account could impact both of you.

Option 6: Corporate or Employee Plans

If you work for a company that has a corporate or employee plan with Verizon, you may be able to bypass the credit check. These plans often have different requirements and may not require a credit check for individual employees. Check with your employer to see if this option is available to you.

Tips for Improving Credit Score

How to Bypass Verizon Credit Check

A good credit score is essential for various financial endeavors, including obtaining favorable interest rates on loans, credit card approvals, and even renting an apartment. It reflects your financial responsibility and credibility. Here are some valuable tips to follow:

Pay bills on time

One of the most crucial factors affecting your credit score is your payment history. Make it a priority to pay all your bills on time, including credit cards, loans, and utilities.

Reduce credit card balances

High credit card balances can negatively impact your credit score. Aim to keep your credit card balances below 30% of your credit limit and work towards paying off outstanding balances.

Regularly check credit reports

Monitor your credit reports from major credit bureaus to ensure their accuracy. Dispute any errors you find, as they can affect your credit score.

Correct errors on credit reports

If you identify errors on your credit reports, such as accounts you don’t recognize or incorrect personal information, take steps to rectify them. Contact the credit bureaus and provide supporting documentation if needed.

Maintain a mix of credit types

Having a healthy mix of credit accounts, such as credit cards, loans, and mortgages, can positively impact your credit score. However, only open new accounts when necessary and avoid overextending yourself financially.

Bottom Line

Bypassing a Verizon credit check is possible through various options such as prepaid plans, finding a guarantor or co-signer, or providing a security deposit. It’s important to explore these alternatives if you’re unable to pass the credit check or want to avoid it altogether. Additionally, taking steps to improve your credit score can open up more opportunities for favorable financial arrangements in the future.

Remember, everyone’s financial situation is unique, and it’s essential to choose the option that aligns with your specific needs and goals. By considering these alternatives and working towards a healthier credit profile, you can still enjoy the services offered by Verizon.

FAQs (Frequently Asked Questions) with Answers about How to Bypass Verizon Credit Check

Here are some frequently asked questions with answers about Verizon credit checks and provide tips on bypassing them.

Do they check your credit at Verizon?

Yes, Verizon performs credit checks for individuals applying for postpaid plans. The credit check helps Verizon assess the applicant’s creditworthiness and determine the level of risk involved in providing services.

Which credit does Verizon check?

Verizon typically checks the credit history of applicants by accessing their credit reports from major credit bureaus. They review factors such as payment history, outstanding debts, and credit utilization to evaluate creditworthiness.

Does Verizon Prepaid require a credit check?

No, Verizon prepaid plans do not require a credit check. Prepaid plans offer a flexible alternative to postpaid plans and are suitable for individuals who want to avoid credit checks or have difficulty passing them.

Does Verizon pull a hard credit check?

Yes, Verizon conducts a hard credit check when assessing an applicant’s creditworthiness for postpaid plans. Hard credit checks may temporarily impact your credit score.

How to bypass Verizon credit check online?

To bypass the Verizon credit check online, you can opt for their prepaid plans. Prepaid plans do not require a credit check, making them a suitable choice for individuals who want to avoid the credit approval process.

How to apply for Verizon wireless service online

To apply for Verizon wireless service online, visit their official website and navigate to the “Shop” or “Plans” section. Select the desired plan, provide the necessary information, and follow the instructions to complete the application process.

How to check my Verizon credit limit?

Verizon does not explicitly disclose credit limits to customers. However, you can contact Verizon’s customer service or access your online account to inquire about your credit limit and any associated details.