matt2402 Posted November 26, 2003 Report Share Posted November 26, 2003 Hi everyone,Does anyone know if cell phone credit checks are purely score related? My scores right now range from 637 to 689. But, I have some old serious derogatory stuff on there. Do they pretty much just go by score?Thanks so much! Link to comment Share on other sites More sharing options...
edubb007 Posted November 26, 2003 Report Share Posted November 26, 2003 Mostly and will probably ask for a down payment for a specific time period. You should be good to go though. Link to comment Share on other sites More sharing options...
matt2402 Posted November 26, 2003 Author Report Share Posted November 26, 2003 thanks edubb! Link to comment Share on other sites More sharing options...
albatross Posted November 26, 2003 Report Share Posted November 26, 2003 Where do you live? Because I live in the southeast US and Bellsouth is the phone company that you pretty much have to go through for home service. I was offered a cingular wireless account through bellsouth a couple of months ago with a 600 fico and lots (4) of chargeoffs. I believe they own cingular. They did run a credit check. Maybe this will help you out. Link to comment Share on other sites More sharing options...
MrGuy0717 Posted November 26, 2003 Report Share Posted November 26, 2003 I wonder if the credit check is more to see if you have stiffed another cellular provider in the past and is not truly score driven? Link to comment Share on other sites More sharing options...
laura66 Posted November 26, 2003 Report Share Posted November 26, 2003 My husband has a score in the 720's, but he was asked for a deposit because he only has a few tradelines (Verizon) Link to comment Share on other sites More sharing options...
garddawg Posted November 26, 2003 Report Share Posted November 26, 2003 When I signed up for SprintPCS, my credit was pretty bad but they didn't require anything. They did sign me up for some program they had for people with less than stellar credit but the only difference was that I only had like $200 limit and I had to pay my bill on time each month... no biggie!! Plus, Sprint has the option for $5 extra a month whereby you can call any other Sprint cellular customer and it doesn't count towards your minutes. I think I use about 1800 minutes a month and it only costs about $35 plus taxes. Link to comment Share on other sites More sharing options...
DocDon Posted November 26, 2003 Report Share Posted November 26, 2003 My husband has a score in the 720's, but he was asked for a deposit because he only has a few tradelines (Verizon)Nextel was the same with me. They said according to their scoring system, I was a "D" (with a 727 FICO). Sounds more like a scam to get money from the consumer up front. Link to comment Share on other sites More sharing options...
freezin Posted December 2, 2003 Report Share Posted December 2, 2003 att wireless approved me and my score was 540 ...go figure...I am not complaining. They don;t report to CRA though, because I have not seen the tradeline on my reports. Link to comment Share on other sites More sharing options...
momof5 Posted December 2, 2003 Report Share Posted December 2, 2003 T*mobile pulled TU (currently 637) and said that I only qualified for 1 line + $75 dep. I said thanks but no thanks! I had cingular at one point.... I was approved for multiple lines/no deposit and a 650 EQ (that is who they pulled). They pissed me off so I dropped them.Who did ATT pull? Link to comment Share on other sites More sharing options...
Creditinfo123 Posted December 3, 2003 Report Share Posted December 3, 2003 Depending on where you live I believe. In Houston, I know there was a point when Sprint was giving out phones to anyone that applied, without a credit pull. I dont know if that was just a holiday thing or not. But you might want to look around. Link to comment Share on other sites More sharing options...
Ravenous Wolf Posted December 11, 2003 Report Share Posted December 11, 2003 T-Mobile and its predecessor Voice Stream approved me for a cell phone with no deposit even when my credit sucked big green donkey [EXPLETIVE DELETED].However, there was definitely a limitation because they denied me extra phones when I wanted to get extra ones for both my parents for a Christmas present.What bothers me is that cell phone companies are amongst many industries that get a stiffy on checking your credit even though they have limited risk. Like, a cell phone company can pull the plug on your service if you don’t pay your bill and even put a limit on many minutes you use.It is just another way to give you the chorizo.What I find ironic is that cell phone companies make such a big deal on checking your credit but they refuse to report your good credit to the CRAs, even though they have millions of customers and reporting would be a snap for them. Link to comment Share on other sites More sharing options...
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