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I am wanting to switch cell phone carriers soon, but planning on getting pre qualified for a home this summer. Would them pulling my credit effect me badly enough to make a difference? What's the deal with these types of things. I am so careful right now about doing any detrimental hard pulls, that is makes me vervous.
No. Go ahead and switch carriers.
Have you considered a no-contract plan? I have one with Net10 and a Samsung Galaxy 4 smart phone ... $40/month with unlimited talk, text and data [but data speed is throttled back after a certain amount]. Also, no credit pull involved. The carrier behind the scene is AT&T.
A single credit pull for such transactions will not affect your ability to secure a mortgage ... unless of course your overall credit profile is weak to begin with.
@ezdriver wrote:Have you considered a no-contract plan? I have one with Net10 and a Samsung Galaxy 4 smart phone ... $40/month with unlimited talk, text and data [but data speed is throttled back after a certain amount]. Also, no credit pull involved. The carrier behind the scene is AT&T.
A single credit pull for such transactions will not affect your ability to secure a mortgage ... unless of course your overall credit profile is weak to begin with.
I am with AT&T right now and trying to get rid of them. We are working on getting our profile cor recited right now. It's not the strongest, but by summer/fall I hope strong enough for an approval. Just have past delinquencies hurting us.
I had read somewhere even a phone credit pull could hurt you.
it is a soft pull. i cant see it when i pull credit
@DallasLoanGuy wrote:it is a soft pull. i cant see it when i pull credit
Awesome! Thank you!
+1 soft pull
...T-Mobile did a hard pull on my account 2 weeks ago even though the salesman swore it would be a soft pull ...doubt he knew the difference ...but it did show on all three CRs as a hard pull by a utility
@Lemmus wrote:...T-Mobile did a hard pull on my account 2 weeks ago even though the salesman swore it would be a soft pull ...doubt he knew the difference ...but it did show on all three CRs as a hard pull by a utility
Ahhhh. That makes me nervous!