topic Re: Verizon Cell Phone Credit Pull in Understanding FICO® Scoring

Verizon Cell Phone Credit Pull

Anonymous — Wed, 17 Dec 2008 22:50:52 GMT

I have been approved for a loan and my home is in the process of being built. My goal is to grow my score and not hurt it. My wife and I were recently married and we both had cell phones on our family plans. I am about to assume liability for both of our numbers and put them on our own account.

VZW has told me that it will be a hard pull. Can anyone shed some light on how that pull will affect my score? The only other pull I have within the last 6 months is for the mortgae which was was pulled in Sept.

Re: Verizon Cell Phone Credit Pull

llecs — Thu, 18 Dec 2008 21:22:15 GMT

Unless your scores are really high, you probably wouldn't even feel it. If so, then maybe a couple. Don't worry, I have 30-something on EX.

Re: Verizon Cell Phone Credit Pull

Anonymous — Fri, 19 Dec 2008 02:58:49 GMT

If you currently both have paperless bills, make sure you turn that off before moving to one account. Otherwise when they remove your wife's online access she won't be able to see her final bill...and your wife's credit will suffer.