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Not sure if this is the right place for this. Does anyone have experience with iPhone Upgrade Program through Apple itself? (NOT iPhone Forever, or other installment plans for the iPhone through other major carriers, I'm talking about buying the iPhone on a 24-month installment through an Apple store). I.E. What credit bureau(s) they pull, how easy is it to get, etc.?
Thank you!!! Just the info I was looking for. I couldn't find ANYTHING on here about that (or maybe I didn't look in the right place)? Still would love to hear from others that have had experience with it.
I've done the IUP for the last two years. For the 6S launch, I did one phone. They pulled my Equifax (I live in Colorado) and my EQ Fico score was a 672 and I was approved. Last September for the iPhone 7 launch, I had a 688 EQ FICO. I did two phones, one for me and one for the wifey. I was a little nervous that they'd pull my score multiple times since there were some issues with T-Mobile so they had to return my first IUP and re-run everything. Then maybe a week and a half later I exchanged my iPhone 7 for a 7 Plus, they had to run everything again. Still only 1 HP for all the transactions
The first year, I heard from employees that more people than they expected were getting turned down for the IUP.
There hasn't been any tradelines from the IUP showing up on any of my reports, just the HP...
Oz
Ozix wrote:
I've done the IUP for the last two years. For the 6S launch, I did one phone. They pulled my Equifax (I live in Colorado) and my EQ Fico score was a 672 and I was approved. Last September for the iPhone 7 launch, I had a 688 EQ FICO. I did two phones, one for me and one for the wifey. I was a little nervous that they'd pull my score multiple times since there were some issues with T-Mobile so they had to return my first IUP and re-run everything. Then maybe a week and a half later I exchanged my iPhone 7 for a 7 Plus, they had to run everything again. Still only 1 HP for all the transactions
The first year, I heard from employees that more people than they expected were getting turned down for the IUP.
There hasn't been any tradelines from the IUP showing up on any of my reports, just the HP...
Oz
Really?! No tradeline on your credit report(s)? Has anyone else had this experience?
So I found out online the other day that I CANNOT sign up for the Apple Upgrade program unless I have an account with the major providers (Sprint, Verizon, T-Mobile, or AT&T). I have Boost Mobile, prepaid. Does anyone know what the requirement is for this? Like, can I just switch to a Sprint prepaid plan and still sign up for the Apple Upgrade program? But if I did that, doesn't Sprint have the iPhone Forever plan? So confusing.
Sprint does have the iPhone forever plan. You lease an iPhone and on your 12th payment, you're given the option to upgrade. Pretty competitive deal if you're a fan of Sprint.
Ozix wrote:
I've done the IUP for the last two years. For the 6S launch, I did one phone. They pulled my Equifax (I live in Colorado) and my EQ Fico score was a 672 and I was approved. Last September for the iPhone 7 launch, I had a 688 EQ FICO. I did two phones, one for me and one for the wifey. I was a little nervous that they'd pull my score multiple times since there were some issues with T-Mobile so they had to return my first IUP and re-run everything. Then maybe a week and a half later I exchanged my iPhone 7 for a 7 Plus, they had to run everything again. Still only 1 HP for all the transactions
The first year, I heard from employees that more people than they expected were getting turned down for the IUP.
There hasn't been any tradelines from the IUP showing up on any of my reports, just the HP...
Oz
Wait so you only had 1 HP from the initial application and didn’t get dinged for another HP when you upgraded? If that’s true I might do this.
The HP yearly is what’s preventing me from doing this.