Credit Requirements

[ppenguin]

What average credit scores do they want to get approved with zero deposit and which bureau do they use? I was an indentity theft victim and have Trans and Equifax cleaned up but Experian is much more stubborn

[ColsTiger]

Originally Posted by ppenguin

What average credit scores do they want to get approved with zero deposit and which bureau do they use? I was an indentity theft victim and have Trans and Equifax cleaned up but Experian is much more stubborn

Not sure exactly which one they use, but Customer Service would be the people to ask. When I worked with Cingular, we would do the application in the computer and it would tell us whether or not the customer was clear or whether they needed a deposit. The deposit could be as much as $800 for someone with shaky credit, but they get that back after a year of paying their bill on time.

[ppenguin]

Originally Posted by ColsTiger

Not sure exactly which one they use, but Customer Service would be the people to ask. When I worked with Cingular, we would do the application in the computer and it would tell us whether or not the customer was clear or whether they needed a deposit. The deposit could be as much as $800 for someone with shaky credit, but they get that back after a year of paying their bill on time.

Well worse case I am looking at about a 600 on Experian depending on how much progresss my attorney has made with them. The other two are fine at around 700. What deposit should I expect if they do in fact pull Experian ?

[ColsTiger]

I wish I could help you but I really don't know.

[Lob]

Would they let you pay your bill 1 year in advance?

[wjp09]

nope. you could have a higher bill than posted based on your use

[ColsTiger]

Originally Posted by Lob

Would they let you pay your bill 1 year in advance?

Only if they release it as a Go Phone pre-paid phone as well. Then you can 1000 minutes ($100) that's good for 365 days.

[adamjohn_98]

Does anyone know if there is a way to check your credit status, to see if they will let me sign up for cell service? Is there a way to do this through AT&T without actually purchasing service yet? I ask because I would hate to get all worked up about the iPhone, wait in line for it, and not be able to get one.

[mjsteve2]

Originally Posted by adamjohn_98

Does anyone know if there is a way to check your credit status, to see if they will let me sign up for cell service? Is there a way to do this through AT&T without actually purchasing service yet? I ask because I would hate to get all worked up about the iPhone, wait in line for it, and not be able to get one.

you can go to any at&t/cingular corporate store, and they will run your credit for you to see if you have to pay a deposit. you can do this anytime without purchasing anything. they will keep your information in their system for 3 months. thats a good thing for you, because if your score changes for the worst you will atleast be good for 3 months. but i was having the same issue. so i went in there the other day, and they told me i had good credit and didnt need a deposit. so im happy nothing showed up on my report, and im happy they have that in their system for 3 months just incase something changes. and also you can go to any at&t/cingular corporate store anywhere and they will have your information in their system.

[ppenguin]

I'm trying to find this out too or at least what score they want I got approved with tmobile in the past with no problem but due to some identity theft issues I now have a bad experian report. I have heard they use equifax and I have also heard they use all 3, no one knows