topic Re: TMobile approval, no deposit. in General Credit Topics

TMobile approval, no deposit.

Anonymous — Wed, 20 Jun 2007 14:43:08 GMT

Just wanted to let everyone know, if you are looking to get approved for a cellular service with no deposit required, I applied with TMobile and was approved for one phone with no deposit or up front payment required. I believe they pulled my EX cr which is currently 615.

Re: TMobile approval, no deposit.

Cory — Wed, 20 Jun 2007 14:48:04 GMT

I heard that some INS companies and Cellular's co where pulling CR, but I didn't think that they were serious.

Man, those people are evil.

Cory

Re: TMobile approval, no deposit.

MidnightVoice — Wed, 20 Jun 2007 14:53:41 GMT

Cory wrote:
I heard that some INS companies and Cellular's co where pulling CR, but I didn't think that they were serious.

Man, those people are evil.

Cory

Time for my Cingular rant. They did a hard pull to give me a phone. I then later added a line, and despite the fact I was a pre-existing customer they did another hard pull

Most Car insurers check your Score, and I think some home insurers do as well

Re: TMobile approval, no deposit.

Anonymous — Wed, 20 Jun 2007 14:53:56 GMT

I think almost all cellular companies pull either a CR or credit score to determine whether or not you would be required to pay a depost. I have previously worked for two big cellular companies and both of them always checked credit.

Here were my deposits when I applied for cellular service:

Cingular: $500 deposit

Alltel: $1000 deposit!!! (I don't even KNOW where they got that from. I went into a third party store and a rep ran my credit. I wonder if she screwed something up.)

Sprint Nextel: $150 deposit

US Cellular: $100 deposit

TMobile: no deposit

Re: TMobile approval, no deposit.

Anonymous — Wed, 20 Jun 2007 14:55:19 GMT

Thankfully Progressive Insurance only did a soft pull on me.

Cory wrote:
I heard that some INS companies and Cellular's co where pulling CR, but I didn't think that they were serious.

Man, those people are evil.

Cory

Re: TMobile approval, no deposit.

Cory — Wed, 20 Jun 2007 15:02:12 GMT

I wonder some times about us consumers, what are our rights? I do understand that there are a few bad apples out there. You try so hard to perfect your scores and these people come along and tamper with it.

Pulling credit affects your scores if all the companies do it. I believe there will come a day when inquiries shouldn't hurt your score anymore.

Cory

Re: TMobile approval, no deposit.

Anonymous — Wed, 20 Jun 2007 15:04:36 GMT

i have never known a cellular carrier to not run a credit check, unless the consumer was buying one of them thar' prepaid phones for 39 cents/minute.

in my experience, the credit standard for most carriers is quite lax. my first cell phone was in '95 from us cellular...i was in college, had no credit history other than a $500 citibank cc that i was terrified to even use (and didnt), and was even more terrified of us cellular running a credit check on me. according to the sales rep, my credit came back A+ credit, no deposit. this was back in the day when cell phones first came to my area, and 129.99 a month bought you about 400 minutes.

thinking i was now a big shot because i had an A+ credit rating (and a fancy cell phone), i started collecting credit cards, knocked a chick up, got married, ran up all of the credit cards and then some, got divorced, and walked out with F- credit. how was that relevant to the post? no clue. sorry.

Re: TMobile approval, no deposit.

Anonymous — Wed, 20 Jun 2007 15:19:39 GMT

If you are looking into a prepaid plan because you don't want to pay the deposits or get locked into a contract, Alltel has a reasonable prepaid program. Imo, it is better than Cingular's Go phone prepaid service.

Re: TMobile approval, no deposit.

Cory — Wed, 20 Jun 2007 15:21:24 GMT

dog wrote:
i have never known a cellular carrier to not run a credit check, unless the consumer was buying one of them thar' prepaid phones for 39 cents/minute.

in my experience, the credit standard for most carriers is quite lax. my first cell phone was in '95 from us cellular...i was in college, had no credit history other than a $500 citibank cc that i was terrified to even use (and didnt), and was even more terrified of us cellular running a credit check on me. according to the sales rep, my credit came back A+ credit, no deposit. this was back in the day when cell phones first came to my area, and 129.99 a month bought you about 400 minutes.

thinking i was now a big shot because i had an A+ credit rating (and a fancy cell phone), i started collecting credit cards, knocked a chick up, got married, ran up all of the credit cards and then some, got divorced, and walked out with F- credit. how was that relevant to the post? no clue. sorry.

Lol, it's okay we are here for you. You needed to vent out your frustration.

Re: TMobile approval, no deposit.

Anonymous — Wed, 20 Jun 2007 15:24:26 GMT

i will get up off of the funny little couch now and move back to the present. haha. thanks, cory.

Re: TMobile approval, no deposit.

Cory — Wed, 20 Jun 2007 15:29:14 GMT

No problem, keep them coming........lol

Cory

Re: TMobile approval, no deposit.

Anonymous — Wed, 20 Jun 2007 16:05:13 GMT

anyone ever get there CELL phone deposit back? I had to put down $100 for cingular when I signed up a year ago.

Re: TMobile approval, no deposit.

Tuscani — Wed, 20 Jun 2007 17:23:55 GMT

Oh no.... someone brought up cell phone Inqs...

Re: TMobile approval, no deposit.

MidnightVoice — Wed, 20 Jun 2007 17:42:34 GMT

Tuscani wrote:
Oh no.... someone brought up cell phone Inqs...

Read it.

Answered it

Re: TMobile approval, no deposit.

Anonymous — Wed, 20 Jun 2007 17:43:17 GMT

Is that a no no?

Re: TMobile approval, no deposit.

MidnightVoice — Wed, 20 Jun 2007 17:46:21 GMT

thatgrri3 wrote:
Is that a no no?

I tend to rant about cell phone inqs and their effects on FICO scores

Re: TMobile approval, no deposit.

Anonymous — Wed, 20 Jun 2007 17:47:04 GMT

what effect do cell phone inq's have on FICO?

Re: TMobile approval, no deposit.

MidnightVoice — Wed, 20 Jun 2007 17:50:31 GMT

rifleman wrote:
what effect do cell phone inq's have on FICO?

Same as any other inqs. But if you revamp your families disparate cell phones to get them all on one plan by doing the logical and cost effective thing - waiting untill each old plan has expired - you get a bunch of inqs which the silly computer thinks means that you are desperatly seeking credit.

Re: TMobile approval, no deposit.

Anonymous — Wed, 20 Jun 2007 17:57:11 GMT

wow that's lame--you mean they pull a report for each family member, or just say you have 5 family members, they pull your score 5 times? That is super Lame.

Do they pull your score when you sign a new contract? How about if you choose to upgrade your equipment? I'm thinking of upgrading around this time next year

Re: TMobile approval, no deposit.

MidnightVoice — Wed, 20 Jun 2007 18:00:24 GMT

I got an account - Hard pull. Sunsequently added a line - Hard Pull. etc, etc.

And the difference between my TU and EQ is one 6 year old 30 day late, 3 inquiries and 50 points.

So it is in fact relevant