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When I get a job I was planning on getting the new iPhone 11 256gb in monthly installments. But my credit is in the fair range and not sure I would qualify. The link below with AT&T's plan says you need well qualified credit. Does that mean excellent credit? I cannot afford to buy it one lump sum. Would this count as an inquiry on my credit report? Would I need to be a contract customer with AT&T? If I didn't qualify I was thinking of having my aunt pay it and then I could pay her back every month.
https://www.att.com/buy/phones/apple-iphone-11-256gb-yellow.html
Per your recent thread, you have $10,000 in charged-off accounts (one in collections) you haven't attempted to pay back yet and you have $2,500 in credit card debt that you couldn't make a dent in. What's wrong with the phone you have now? That money could be used towards paying down your debt.
Yes the iPhone 11.
Yes, well qualified equals excellent credit. That doesn't mean you won't be approved, just that you won't get the 0% financing. At&t may require a down payment also, depending on your credit.
@IcyCool7227 wrote:When I get a job I was planning on getting the new iPhone 11
But my credit is in the fair range
I cannot afford to buy it one lump sum.
I was thinking of having my aunt pay it and then I could pay her back every month.
Time to regroup and reassess here. So much wrong with this line of thought.
As @Jannelo pointed out, you have huge unpaid debts already.
You have no job ... yet.
You have no savings to buy the phone.
Your credit is tanked due to prior irresponsibility.
Yet you want the latest and greatest and brand new iPhone?
As subtly suggested by @FinStar, perhaps an adjustment of expectations is in order? Maybe after you actually get the job and your first paycheck, you can begin saving towards the new phone, maybe even find a gently-used older model online for sale that would be sufficient for awhile? And use the extra money towards paying off debts and getting your credit back in order, which are both much more important than having the latest iPhone.
Please don't take advantage of your aunt's goodwill to buy an expensive phone that you probably will never be able to pay her back for. Your relationship with your family is more important than that.
That and the new or a year old Ford Fusion Hybrid Electric car. Retail price is $27k.
I have 5 phones right now but none of them have very much storage space and 2 are old iPhone 4s's.
If you sign up for a post-paid plan you will take a HP. That's true for any of the 4 major carriers.
After a HP when one was denied for a postpaid plan AT&T used to sometimes still offer a plan but would require a security deposit of at least $500, sometimes more. After 12 months of ontime payments in full they would typically refund the security deposit.
With your current credit profile and inability to fund the purchase of a new phone your best bet right now might be to take the best/newest phone you have and get a prepaid plan from a MVNO like Red Pocket, Tello, or MInt. Red Pocket resells prepaid service on each of the 4 major carriers, so regardless of which carrier your best phone supports you can get service through them.
I’m trying to figure out if this is a joke or not, I’ve read the entire thread on your 12k plus in collections/bad debt. We all make mistakes but wow, you seem to not care about your or your aunts credit. You need to be less worried about the latest and greatest phone or using your aunt to get it and be more worried about getting a job and handling your affairs. You could sell 4 of those 5 phones you supposedly have a pay down some of your debt. I’ve seen kiosks at Walmart that you can do just that, get your priorities straight and pay down your debt before you acquire more or plunge your aunt into debt with your phone and car wants.