I can't believe that no one here has switched to T-Mobile... Someone's paying for all the commercials. Where everybody at?
it's a TU soft pull and they do regular quarterly SP's to keep track of you if you have an outstanding financed device
0/6, 2/12, 7/24
@JoeRockhead wrote:I can't believe that no one here has switched to T-Mobile... Someone's paying for all the commercials. Where everybody at?
Indeed, it is perplexing and somewhat confounding that the masses have yet to gravitate en masse toward the telecommunications provider in question, particularly given their pervasive and ostentatious advertising campaigns. One would presume that such a conspicuous expenditure would precipitate a commensurate influx of consumer adoption. Wherefore art the adherents?
@FicoMike0 wrote:It will be a soft pull it your reports are frozen. I wouldn't take a hp for a phone provider.
There's plenty of ways to get cell phone carriers on your credit report as a negative/collection when they do something totally illegal that you never even agreed to, and then it's up to you to try to pry it off. Ain't nobody got time for that. 
AT&T did this to me when they bought Cingular, and then tried to come after me for two $300 early termination fees that weren't in my Cingular contract (I never ever signed a contract with AT&T!). The bureaus said they "investigated" when I sent them a copy of my printed cell phone contract that Best Buy gave me, and then it stayed on my credit report for years that I "owed" AT&T money.
Then AT&T bought another small wireless company and got mom's account, then they used her debit card to pay someone else's phone bills, then they said she didn't pay hers, and handed her over to a collections agency. She suspects what happened was that a store employee stole her card number and started paying their own wireless bill with it. I'm not sure, but I suppose that's a possibility. There's always some young kid trying to steal from the elderly.
As anyone who remembers the 90s will know, cash used to be a lot more prevalent and it used to be easier for the teens and 20 somethings inside a fast food restaurant to make up a higher order total and steal from drive thru customers, so many places had an electronic sign with your total that said "If asked to pay a different amount, call 1-800 whatever." A lot of people will do absolutely anything for money except work for it or cut down on their expenses and accept a more modest lifestyle.
Just use prepaid like I do (Mint). It's so much better than risking yet another scumbag reporting something defamatory on your credit reports.
