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Established Member
Posts: 18
Registered: ‎10-07-2012
0

Quick question on cell phone companies

I need to get a new cell phone plan as my current provider is not working out for me. I know cell phone companies often pull a credit check when you sign up and I'm curious if this is considered a hard pull or a soft?

 

Im' trying to avoid any hard pulls because I'm getting close to shopping for a mortgage. 

Starting EX : 578 EQ : ??? TU: ???
Current: EX : 630 EQ : 639 TU: 684
Goal: 700 to start
Valued Contributor
Posts: 1,228
Registered: ‎05-10-2012
0

Re: Quick question on cell phone companies

Soft pull

  • Current: EQ FICO 706, TU FICO 701, EX FICO 706 | Starting Score: 525 (05/2012)
  • Starting total revolving credit: $1100 | Current total revolving credit: $36,700
  • Inquiries (12 Months): EQ 2 TU 1 EX 1 | Most Recent: 1/21/2014
Chase Freedom $9500
DCU Visa $10000
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Lowe's CC $8500
WalMart CC $3100
BOA Platinum $600
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New Contributor
Posts: 93
Registered: ‎10-10-2012
0

Re: Quick question on cell phone companies

+1 cell phones, utilities, and cable companies are almost always soft pulls. You can ask them though when you go to set it up to confirm it is a soft pull. 

Starting Scores: 9/19/2012 EQ 613 / TU 526 / EX 543

Current Scores: EQ 692 / TU 677 / EX 678 br>
Goal Scores: 700
Established Member
Posts: 18
Registered: ‎10-07-2012
0

Re: Quick question on cell phone companies

Ok thanks, I was worried that I might have to go with a pre-paid 

Starting EX : 578 EQ : ??? TU: ???
Current: EX : 630 EQ : 639 TU: 684
Goal: 700 to start
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