[header] How to get a cell phone plan without a credit check [title] Choose a main account holder. [step] You can join someone else's plan in two ways: by using a family plan or signing up as an authorized user. Fortunately, only the main account holder needs to pass a credit check, so your credit score won't matter. 
Choose someone with strong credit to open the account. [substeps] You can check your credit score by using a free service such as credit.com.