Credit checking is a phenomenon almost universally disliked by homeowners. It gives the impression that the company is probing you before providing access to whatever it is you’re after. And in the case of security firms, they hold the key to that much needed protection. But try looking at it as a necessary evil: with a good credit score you’ll have access to better payment plans and equipment deals. Companies tend to ask for a credit check when you opt for a service without an upfront payment, and with home security firms that will most likely involve professional monitoring. Although you can avoid unnecessary investigations by purchasing the equipment from Amazon, be aware that having the highest quality security equipment is always the most effective financial option should your building get burglarized.
Do Home Security Companies Check Credit?
Home security companies are known to be secretive about enacting a credit check: it’s not the first question they pop when you’re requesting a quote but you can bet your bottom dollar that they’ll get down to it later down the line. Since most deals involve a basic kit that comes free of charge with the monitoring plan, companies must validate somehow that you are capable of keeping your side of the bargain. But don’t think that opting for upfront payment can save you from the hassle! Sometimes you’ll be able to spread the payment time of the equipment over time, but only if you have a strong credit status. Homeowners, who decide to customize their alarm package by adding more sensors, cameras and detectors to their collection can also be stopped by a credit check since the company wants proof that they are solvent. But look at the sunny side: a good credit card standing opens up more possibilities which ultimately results in better service and equipment.
Best Home Security Systems Without Contract
As we said, escaping from credit score checks is no easy task. Even if you manage to avoid getting cemented into a contract by paying upfront for the equipment, you may still get bothered with the process just to ensure proper payments. The best you can do is seek out a home security company that offers fixed alarm packages instead of customized deals or a company that sells its equipment through third party sites, such as Amazon. There are two particularly stellar examples:
GetSafe offers several attractive features for budget-conscious homeowners. There is a risk-free 30-day trial and you can get set up without contracts, although this does mean that you must pay for the equipment. They even let you off the hook via self-monitoring (through a smartphone app), which significantly decreases the monthly fee. The no-contract option means there’s a monthly charge, which not only makes the cancellation easier but also means bidding farewell to credit score checks.
SimpliSafe is a popular choice among homeowners, mainly because they allow you to try the service without an overly long commitment and contractual lock-ins. The refund policy is also extended to 60 days, during which you can return your equipment and receive all the money back. If you intend to monitor your home yourself then SimpliSafe has your back: there are five different packages available on Amazon with a varying degree of equipment. And you can rest assured that you won’t face a credit check when ordering from Amazon.