topic Citizen One Loan through Apple in General Credit Topics

Citizen One Loan through Apple

Anonymous — Sun, 13 Jan 2019 19:34:20 GMT

I recently purchased a phone through apple as part of the iPhone upgrade program and had some questions about the loan they provide through Citizen One.

I understand this is a 0% unsecured 24 month loan, so I am assuming it will show up on my credit report?

Currently I have two credit cards, an auto loan, and now the iPhone financing. How much of an impact will this make on my credit score in the next two years? (positive)

I'm assuming this will drag my AAoA down or am I incorrect?

Please excuse my naive questions, thanks!

Re: Citizen One Loan through Apple

FireMedic1 — Sun, 13 Jan 2019 23:16:44 GMT

You get the HP but it doesnt report as of a couple yrs ago. May have changed. But my Pixel 2 XL doesnt report from Verizon.

https://ficoforums.myfico.com/t5/General-Credit-Topics/iPhone-Loan-not-showing-on-Credit-Reports/td-p/4796142

Re: Citizen One Loan through Apple

Anonymous — Mon, 14 Jan 2019 10:27:34 GMT

My iPhone through them doesn't report either.
Financed it about 1.5 years ago.

Re: Citizen One Loan through Apple

Anonymous — Sun, 13 Oct 2019 01:14:24 GMT

What credit score should I have to qualify for the Apple iphone upgrade program?