Bad credit activation problem?

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Low023

Member
Feb 13, 2010
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Feb 22, 2011 at 7:02 PM
I realize that you are not getting a subsidized tablet here (if you pay full retail) but I was wondering if the month to month will still ding your credit and will they require a "deposit" to complete the activation process.

This is my only worry and I have yet to see anyone ask that so if anyone is familiar please let me know.

[edit] Well after calling around 5 Verizon Wireless stores I have come to the consensus that if you have bad credit and no existing phone line through Verizon that you will more then likely have to pay some sort of deposit for the month to month activation. They quoted me prices of $120-$400 for deposit if you have bad credit.
 
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Sirchuk

Sirchuk

Senior Member
Jul 12, 2009
842
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Feb 22, 2011 at 7:33 PM
I was under the impression that the month to month plans didn't require any sort of credit check. I'm not willing to give that kind of information for something that I intend to immediately cancel within minutes. This is going to be interesting to see what happens.

Sent from my EVO using XDA App
 
L

Low023

Member
Feb 13, 2010
27
2
0
Feb 22, 2011 at 7:49 PM
From the information I was able to get they will ding your credit even just for month to month just to make the Verizon account, one representative even told me that you will get billed for the month and activation fee and will not be able to pre pay. That really sucks for some of us. I still plan on getting one but this brings up more expense on a already expensive purchase.

You may want to call were you plan on purchasing it and asking.
 
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socomdark

Senior Member
Sep 7, 2010
199
15
0
Feb 22, 2011 at 8:25 PM
i will let you know what happens as i have bad credit also. i ordered through wirefly and they have to authorize a credit check through verizon. That will probably start today or tomorrow. If i pass then im sure you will too.
 
Arcadia310

Arcadia310

Senior Member
Aug 13, 2010
1,093
102
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Feb 22, 2011 at 8:35 PM
What if you plan to pay for the Xoom and all data fees through Debit? They can't possibly NEED your credit, I don't even own a credit card!
 
setite

setite

Senior Member
Apr 25, 2006
452
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Feb 22, 2011 at 9:00 PM
Arcadia310 said:
What if you plan to pay for the Xoom and all data fees through Debit? They can't possibly NEED your credit, I don't even own a credit card!
Click to expand...
They still do. It's crap but they do. I suppose because they are risking you using minutes/data before any bill comes to you since they are a post-paid service. That is the problem, even with month-to-month data plans its post-paid. That way, instead of cutting you off like they should if you go over your data allotment, they can start racking up the charges.

I am on hold right now with Verizon, I am going to see if I can get the credit check done ahead of time like I did when I bought the HTC EVO. The guy just said there is no credit check on unsubsidized, but after I asked if you he was sure for the third time he had a revelation, said "oh ****, hold on". I am now holding on to see.

And so you know, even without credit card you still have a credit score :).

EDIT: Yes there is a credit check if you buy unsubsidized. He said they have some "new conditions" or something new and that I would be "pleasantly surprised". Unfortunately, unlike Sprint, they have no pre-qualification. I am now calling Best Buy and hoping they will do it for me. I refuse to show up to pick up a 800$ tablet only to be told I have to pay between 100$ and 400$ for 1 month of a data plan I DON'T WANT.

I have been fine up to this point, but I am now getting ready to throttle someone.
 
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keitht

keitht

Senior Member
Dec 21, 2005
1,937
315
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Delray Beach, FL
Feb 22, 2011 at 9:06 PM
setite said:
They still do. It's crap but they do. I suppose because they are risking you using minutes/data before any bill comes to you since they are a post-paid service. That is the problem, even with month-to-month data plans its post-paid. That way, instead of cutting you off like they should if you go over your data allotment, they can start racking up the charges.

I am on hold right now with Verizon, I am going to see if I can get the credit check done ahead of time like I did when I bought the HTC EVO. The guy just said there is no credit check on unsubsidized, but after I asked if you he was sure for the third time he had a revelation, said "oh ****, hold on". I am now holding on to see.

And so you know, even without credit card you still have a credit score :).
Click to expand...
Hopefully you don't need a 750 score to buy an overpriced device with a $20 one month plan.
 
setite

setite

Senior Member
Apr 25, 2006
452
33
0
Feb 22, 2011 at 9:12 PM
keitht said:
Hopefully you don't need a 750 score to buy an overpriced device with a $20 one month plan.
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It's all bull anyway. With sprint.. for the evo.. I had to do like 5 credit checks, it was weird it kept not saving. Each credit check said congratulations.. 150$ security deposit. For no apparent reason, the last time when I actually was calling to activate I was approved with NO security deposit. I wanted to say huh.. but I just kept quite and sure enough, my bill didn't have a security deposit on it :). If they want a security deposit, I will demand a discount equal to the security deposit + a subsidy :).

Having to pay a security deposit on 20$ worth of data.. frakkin toasters.
 
F

feron

Senior Member
Sep 8, 2007
51
3
0
Feb 22, 2011 at 9:47 PM
setite said:
It's all bull anyway. With sprint.. for the evo.. I had to do like 5 credit checks, it was weird it kept not saving. Each credit check said congratulations.. 150$ security deposit. For no apparent reason, the last time when I actually was calling to activate I was approved with NO security deposit. I wanted to say huh.. but I just kept quite and sure enough, my bill didn't have a security deposit on it :). If they want a security deposit, I will demand a discount equal to the security deposit + a subsidy :).

Having to pay a security deposit on 20$ worth of data.. frakkin toasters.
Click to expand...
Depends on how many times you tried in a short amount of time.
Retailers are by law only allowed to send one credit check hit in a certain duration.
Systems I have worked on just finally balks at repeated requests during said time frame and will let the user on through with a flag for a rep to check up on it later - beats a lawsuit for ruining someone's credit further.

My 2 cents worth anyhow..
 
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TheZuneLune

Senior Member
Dec 12, 2010
170
10
0
Pittsburgh
Feb 23, 2011 at 6:22 AM
I am irritated by this whole process. You can't even addit to your existing VZ account. They are unnecessarily running a credit check. In this day and age you have to limit how many times your records are accessed.

All that being said, when I worked for Verizon landline, the credit check was to make sure you were who you said you were and that you didn't owe them money.

I will be curios as to how you make out. Has there been any feedback from people who have bought other tabs?
 
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socomdark

Senior Member
Sep 7, 2010
199
15
0
Feb 24, 2011 at 3:13 PM
For those worried about a credit check and you have bad credit, I just passed mine so I dont think you guys have anything to worry about.
 
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