Having to submit to a credit check to get a cell phone contract can be a huge hassle for customers who want nothing more than the safety, convenience, and ability to communicate. For many, credit checks are an unnecessary obstacle to owning a cell phone. But credit checks are not the only down side to mobile contracts.In addition to this sometimes tedious process, having a cell phone contract linked to your credit has the possibility to negatively affect your rating.

Unlike a credit card, where there are limitations on your liability if it is lost or stolen, the same is not true for cell phone contracts. As featured in the