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T Mobile and Other Cell Phone Carriers

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reneasworld
Regular Contributor

T Mobile and Other Cell Phone Carriers

Is there a chart anywhere or does anyone know which score TMobile pulls for account approval? Also, what is the norm for approval scorewise or do they use a different method? I am currently on a family plan but need to get a new plan to add my son but I really don't want to do a hard pull if they are not going to approve me.

 

Thanks!

Starting Scores (5/2014): EQ 569, TU 601, EX 589
Current Scores (07/08/2015): EQ 640, TU 640, EX 654
Goal (12/2015): 700 across the board
Message 1 of 31
30 REPLIES 30
toothgrind3r
Established Contributor

Re: T Mobile and Other Cell Phone Carriers


@reneasworld wrote:

Is there a chart anywhere or does anyone know which score TMobile pulls for account approval? Also, what is the norm for approval scorewise or do they use a different method? I am currently on a family plan but need to get a new plan to add my son but I really don't want to do a hard pull if they are not going to approve me.

 

Thanks!


I just joined T-Mobile Dec. 2013.  They pulled TU (here in NYC).  At the time, my scores were somewhere in the low to mid-600's, in bad shape.

But I did have cell phones in my own name for about 6 or 7 years already.

I've got some cards. Some are pretty, some are ugly. Some are more useful than others.
Message 2 of 31
mongstradamus
Super Contributor

Re: T Mobile and Other Cell Phone Carriers


@toothgrind3r wrote:

@reneasworld wrote:

Is there a chart anywhere or does anyone know which score TMobile pulls for account approval? Also, what is the norm for approval scorewise or do they use a different method? I am currently on a family plan but need to get a new plan to add my son but I really don't want to do a hard pull if they are not going to approve me.

 

Thanks!


I just joined T-Mobile Dec. 2013.  They pulled TU (here in NYC).  At the time, my scores were somewhere in the low to mid-600's, in bad shape.

But I did have cell phones in my own name for about 6 or 7 years already.


Thats interesting, i was contemplating switching from Att to tmboile but dreading HP lol. I still need to crunch some numbers to see if its worth it and if service is actually decent where i live. I heard tmobile can be pretty sketchy service wise. 



EX Fico 804 11/16/16 Fako 800 Credit.com 11/16/16
EQ SW bank enhanced 11/16/16 839 CK fako 822 11/16/16
TU Fico discover 10/19/16 814 Fako 819 Creditkarma 11/16/16
Message 3 of 31
toothgrind3r
Established Contributor

Re: T Mobile and Other Cell Phone Carriers


@mongstradamus wrote:

@toothgrind3r wrote:

@reneasworld wrote:

Is there a chart anywhere or does anyone know which score TMobile pulls for account approval? Also, what is the norm for approval scorewise or do they use a different method? I am currently on a family plan but need to get a new plan to add my son but I really don't want to do a hard pull if they are not going to approve me.

 

Thanks!


I just joined T-Mobile Dec. 2013.  They pulled TU (here in NYC).  At the time, my scores were somewhere in the low to mid-600's, in bad shape.

But I did have cell phones in my own name for about 6 or 7 years already.


Thats interesting, i was contemplating switching from Att to tmboile but dreading HP lol. I still need to crunch some numbers to see if its worth it and if service is actually decent where i live. I heard tmobile can be pretty sketchy service wise. 


T-Mobile will now let you borrow a phone for a week to try out there service, no strings attached.  I don't know the details, you can find out more on their site, but if you're thinking about it, it can't hurt to try!

I've got some cards. Some are pretty, some are ugly. Some are more useful than others.
Message 4 of 31
toothgrind3r
Established Contributor

Re: T Mobile and Other Cell Phone Carriers

Also, I just looked back, Verizon pulled EX on me back in early 2012.  I can't imagine what my report was like then, but I am sure it was NOT pretty...and they took me.

I've got some cards. Some are pretty, some are ugly. Some are more useful than others.
Message 5 of 31
mongstradamus
Super Contributor

Re: T Mobile and Other Cell Phone Carriers


@toothgrind3r wrote:

@mongstradamus wrote:

@toothgrind3r wrote:

@reneasworld wrote:

Is there a chart anywhere or does anyone know which score TMobile pulls for account approval? Also, what is the norm for approval scorewise or do they use a different method? I am currently on a family plan but need to get a new plan to add my son but I really don't want to do a hard pull if they are not going to approve me.

 

Thanks!


I just joined T-Mobile Dec. 2013.  They pulled TU (here in NYC).  At the time, my scores were somewhere in the low to mid-600's, in bad shape.

But I did have cell phones in my own name for about 6 or 7 years already.


Thats interesting, i was contemplating switching from Att to tmboile but dreading HP lol. I still need to crunch some numbers to see if its worth it and if service is actually decent where i live. I heard tmobile can be pretty sketchy service wise. 


T-Mobile will now let you borrow a phone for a week to try out there service, no strings attached.  I don't know the details, you can find out more on their site, but if you're thinking about it, it can't hurt to try!


From what i understand about the program you have to put down 650 or so for the cost of an iphone, That really isn't an problem for me probably more of an hassle. I will have to go down to the mall to check it out , there aren't anymore other tmobile store around anymore other than the mall lol. 



EX Fico 804 11/16/16 Fako 800 Credit.com 11/16/16
EQ SW bank enhanced 11/16/16 839 CK fako 822 11/16/16
TU Fico discover 10/19/16 814 Fako 819 Creditkarma 11/16/16
Message 6 of 31
mongstradamus
Super Contributor

Re: T Mobile and Other Cell Phone Carriers


@toothgrind3r wrote:

Also, I just looked back, Verizon pulled EX on me back in early 2012.  I can't imagine what my report was like then, but I am sure it was NOT pretty...and they took me.


an bit off topic but i noticed that when i switched to cable for tv and internet they did an hp on me i didn't even know they did HP , till i got a message on CK about HP falling off lol. My credit was pretty dumpy in those days like in the 600s :-(



EX Fico 804 11/16/16 Fako 800 Credit.com 11/16/16
EQ SW bank enhanced 11/16/16 839 CK fako 822 11/16/16
TU Fico discover 10/19/16 814 Fako 819 Creditkarma 11/16/16
Message 7 of 31
toothgrind3r
Established Contributor

Re: T Mobile and Other Cell Phone Carriers


@mongstradamus wrote:

@toothgrind3r wrote:

Also, I just looked back, Verizon pulled EX on me back in early 2012.  I can't imagine what my report was like then, but I am sure it was NOT pretty...and they took me.


an bit off topic but i noticed that when i switched to cable for tv and internet they did an hp on me i didn't even know they did HP , till i got a message on CK about HP falling off lol. My credit was pretty dumpy in those days like in the 600s :-(


Yeah I never realized wireless companies pulled your credit until I went to T-Mobile, because 1. I never cared to learn that they did, and 2. this was the first time I did it in person.  When the guy said "Okay, I'm just gonna run your credit" oh boy was I sweatin'!!!!

I've got some cards. Some are pretty, some are ugly. Some are more useful than others.
Message 8 of 31
reneasworld
Regular Contributor

Re: T Mobile and Other Cell Phone Carriers

Thanks guys! I will give it a try I have been with TMobile for over 14 years but it was under a family business plan but I also noticed on their site they have the three options. No credit check, building credit and they will reuqire some down and then good/excellent credit with no monday down and financing of the phone (building credit let's you finance but like stated you have to put something down on the phone. I will thing about it this weekend but I think I will give it a try. I will update, hopefully since everything is over 620 they will give me a break with  no money down.

Starting Scores (5/2014): EQ 569, TU 601, EX 589
Current Scores (07/08/2015): EQ 640, TU 640, EX 654
Goal (12/2015): 700 across the board
Message 9 of 31
toothgrind3r
Established Contributor

Re: T Mobile and Other Cell Phone Carriers


@mongstradamus wrote:

@toothgrind3r wrote:

@mongstradamus wrote:

@toothgrind3r wrote:

@reneasworld wrote:

Is there a chart anywhere or does anyone know which score TMobile pulls for account approval? Also, what is the norm for approval scorewise or do they use a different method? I am currently on a family plan but need to get a new plan to add my son but I really don't want to do a hard pull if they are not going to approve me.

 

Thanks!


I just joined T-Mobile Dec. 2013.  They pulled TU (here in NYC).  At the time, my scores were somewhere in the low to mid-600's, in bad shape.

But I did have cell phones in my own name for about 6 or 7 years already.


Thats interesting, i was contemplating switching from Att to tmboile but dreading HP lol. I still need to crunch some numbers to see if its worth it and if service is actually decent where i live. I heard tmobile can be pretty sketchy service wise. 


T-Mobile will now let you borrow a phone for a week to try out there service, no strings attached.  I don't know the details, you can find out more on their site, but if you're thinking about it, it can't hurt to try!


From what i understand about the program you have to put down 650 or so for the cost of an iphone, That really isn't an problem for me probably more of an hassle. I will have to go down to the mall to check it out , there aren't anymore other tmobile store around anymore other than the mall lol. 


From T-Moble website:

 

T-Mobile Test Drive is free with no obligation to buy, but if the iPhone 5s comes back with a cracked screen, damaged screen display, water damage, active Find My iPhone feature, or can't be powered on we have to charge a $100 damage fee. If you don't return the device, we have to charge $699.99 plus applicable taxes.

A hold for $699.99 + taxes will be placed on your credit or debit card. The timing of releasing that hold will vary by credit card company. We won't charge your card unless you fail to return the device.

Got it? Good. Now go give our network a workout.

The iPhone 5s test device must be ordered online. It will be delivered by mail.

You must sign for it and be at least 18 years old to sign.

T-Mobile Test Drive is free for 7 days and starts when the device is signed for.

After 7 days you must return it in good condition to a T-Mobile retail store (not an authorized retailer) so it's important you know where your nearest retail store is.

I've got some cards. Some are pretty, some are ugly. Some are more useful than others.
Message 10 of 31
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