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
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
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.
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...
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....
THE $600/PHONE DEPOSIT IS FOR FOREIGNERS...TECHNICALLY People they couldn't run a credit report on...
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
Re: Re: Re: T-mobile Cell phone WHAT IS A LIMIT??? You bill is now $150...OFF IT GOES??? CAN'T USE IT???
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
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.
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.