You can also get directv service without a credit check or credit card. If you buy your own receiver and dish – you can let them know you own the equipment and will pay as you go per month via check, etc.,
If you are looking to get Direct TV or DISH Network, most folks will simply need to give their credit card information and their social security number. However, some of you may have bad credit and sometimes, you can actually be turned down! But there is always a way to get around this. For example, DISH Network offers a prepaid plan.
With a prepaid plan, you simply prepay and you won’t have to pay a bill every month. You could get a prepaid card from Radio Shack or any local electronic stores that sells DISH Network.
This allows you to pre-pay for the DISH Network packages like :
- Smart Pack
- Americaís Top 250™
While this solution may be ideal for folks with a second home and are only there a couple of months a year, it is not ideal for regular folks who watch their TVs all the time. So what if you have bad credit and wish to improve your credit score quickly? Here are some steps that you can take.
Step 1. Check your credit report for errors – Your credit report may contain incorrect information that may negatively affect your credit scores. You can dispute any incorrect information with the credit bureau. The creditor that has the incorrect information has 30 days to respond and if they not respond, the information will be removed.
Step 2. Pay Your Bills On time – Your credit report contains information about whether you pay your bills on time. This could be your loans, your gym membership, your utility bills. Paying your bills on time is a very important factor in determining your credit score. Make sure you pay your bills on time.
Step 3. Improve your debt utilization ratio – One of the most important factor in your credit score is how much credit (or balance) you have versus how much credit lines you have. If you utilization is high, that will negatively impact your credit score. As a rough guide, a utilization score of 30% is OK. There are several ways to improve your credit score. You can pay down your debt. And you can also open new lines (but not really use them). One of the easiest ways is to simply get a new credit card. For those with poor credit, I would recommend getting a secured credit card. A secured credit card requires a deposit with the credit card issuer and that deposit acts as a collateral and becomes your credit line. The larger the deposit, the larger your new credit line. When you have bad credit, chances are that you will be bombarded with mails from sub prime credit card issuers. These credit cards for people with bad credit have ridiculous fees and low credit limits that they will almost never really help you in your debt utilization ratio.
But what if you have no credit (because you never had a credit card or taken any loan or perhaps you are new to this country), there are credit cards for people with no credit. They are chiefly secured credit cards (as mentioned before) and they are a good way to start building a credit history.
Remember, even something like getting a satellite TV or even a cell phone plan requires a decent credit history. If not, you will be stuck with a prepaid plan, which may or may not be ideal.