Cell Phone App Inquiry hurts score?

Anonymous · ‎10-23-2008

I want to switch carriers so I can get the iPhone. AT&T pulls a credit report first. Will that inquiry hurt like a normal credit hit?

Scamp · ‎10-23-2008

@Anonymous wrote:
I want to switch carriers so I can get the iPhone. AT&T pulls a credit report first. Will that inquiry hurt like a normal credit hit?

Yup. A hard inq is a hard inq.

ETA: Only difference might be during a manual review - the inq being for cell phone service might get it discounted by a human.

Message Edited by Scamp on 12-18-2008 12:15 PM

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It's never too late to become the person you might have been. ~George Eliot

02/12/09 EX: 701 / 02/08/10 EQ: 719 / 02/08/10 TU: 723

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Anonymous · ‎10-23-2008

Yup--Verizon said they wouldn't but they did. 2 years on credit report. It only hurts no help your credit. It should be changed.

Anonymous · ‎10-23-2008

it's only calculated for FICO scoring during the first year.