T-mobile Cell phone

Discussion in 'Credit Talk' started by quetta, Dec 10, 2003.

  1. quetta

    quetta Well-Known Member

    I would like to change from Sprint to T-mobile. I am actively in credit repair in lieu of purchasing a home.
    What are T-mobile's credit requirements?
    how does the inquiry hurt my credit score?
    Should I try a business account with my EIN?

    Please advise
     
  2. Mirage

    Mirage Well-Known Member

    I opened a T-Mobile account in 2002. When I applied it was at a T-Mobile store. Not sure how they checked my credit but I did have a bk-13 on file from 1996. I never noticed any hard inquiry on any of my reports except when I applied for the international roaming a few months after activation, a hard was pulled.

    I was approved at the store for regular service and approved for internatioal roaming as well.

    Best regards,
    Mirage
     
  3. 420greg

    420greg Well-Known Member

    They did not do a hard when I got my first phone. But they did a hard when I added a 2nd phone, and another when I added a 3rd.

    Both on EQ.
     
  4. GEORGE

    GEORGE Well-Known Member

    I paid a $600/phone deposit to save the 7 point HIT...

    $1,200 2 PHONES

    1 YEAR LATE ADDED 2 MORE THEY WANTED A $500 DEPOSIT...TOLD THEM THEY ARE NUTS...SO THEY TOOK $250...
     
  5. deadbeavis

    deadbeavis Well-Known Member

    I just had 2 phone numbers teleported from Sprint...good riddance. T-mobile gave me 2 phones. I paid 15 bucks for one and got the other for free, rebate on one for $50 and $100 rebate for the other. Took a hit on TU with a 630 score, no deposit. From what I understand TU looks at pure score. What I don't is why I did not get the GEORGE offer--they told me if a deposit is necessary it's based on score, but cannot accept a mere deposit without CC!

    My deal was worth the 8-point hit, I guess....
     
  6. GEORGE

    GEORGE Well-Known Member

    THE $600/PHONE DEPOSIT IS FOR FOREIGNERS...TECHNICALLY

    People they couldn't run a credit report on...
     
  7. deadbeavis

    deadbeavis Well-Known Member



    Ok. It's interesting that works on cell phones but not on credit cards. You can technically charge up thousands on your cell phone but start out with a lousy plastic $300 CL. You can terminate service and technically leave them with the debt and you, spotless....

    I wonder if there's a max 'minute limits' per month before they cut you, LOL
     
  8. daruler

    daruler Well-Known Member

    Re: Re: T-mobile Cell phone

    my friend got a $150 limit on his tmobile phone
     
  9. GEORGE

    GEORGE Well-Known Member

    Re: Re: Re: T-mobile Cell phone

    WHAT IS A LIMIT???

    You bill is now $150...OFF IT GOES???

    CAN'T USE IT???
     
  10. daruler

    daruler Well-Known Member

    Re: Re: Re: Re: T-mobile Cell phone

    the salesman wasnt very helpful he said my friends credit wasnt strong enough. if it goes over $150 they suspend service till you pay i guess..150 is a lot of months for one line though
     
  11. direct

    direct Well-Known Member

    T-mobile has a couple of interesting plans for the credit challenged:

    T plan: approved with a $75 upfront "processing fee" this is the dealer's profit. You pay full boat for the phone. $125 monthly spending limit, not that you would, but if you hit $125, the phone is suspended until you pay the bill. If you choose the right plan, you should never hit the $125 assuming you pay your bill in a timely fashion.

    Q plan: No extra fees, same $125 monthly spending limit at Tplan.

    The above two plans are for people with little or no credit or not too bad credit, T-mobile still requires deposits of up to $500 for the truly credit challenged.

    Sprint is the most lenient of all of the wireless carriers with deposits up to $250. Select a carrier based on coverage in your most frequently travled area or you may have other issues besides a security deposit.
     
  12. direct

    direct Well-Known Member

    T-mobile has a couple of interesting plans for the credit challenged:

    T plan: approved with a $75 upfront "processing fee" this is the dealer's profit. You pay full boat for the phone. $125 monthly spending limit, not that you would, but if you hit $125, the phone is suspended until you pay the bill. If you choose the right plan, you should never hit the $125 assuming you pay your bill in a timely fashion.

    Q plan: No extra fees, same $125 monthly spending limit as Tplan.

    The above two plans are for people with little or no credit or not too bad credit, T-mobile still requires deposits of up to $500 for the truly credit challenged.

    Sprint is the most lenient of all of the wireless carriers with deposits up to $250. Select a carrier based on coverage in your most frequently traveled area or you may have other issues besides a security deposit.

    Sorry for the double post, thought computer lost connection.
     

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