With bad credit you will need to pay cash. For 14 year old I would get iphone 5C because thats still a good phone and is cheaper cost then others, and since people always drop it make sure you tell her to always carry it in her pocket and if in her hand hold it tight, because people drop phones all the time.
Check straight talk also as they have had some good plans, not the best service but much lower monthly cost.
If you want to get around the credit check thing, then the only way is to save the money and pay cash. I got my phone (HTC One) by paying cash for it. No credit check needed (although I would have had no problem with a credit check).
Instead of buying a phone with credit, get a pay as you go phone. I have one of these and find it far more economical.
Buy a used one
