An application for credit dings your credit score, that's a fact. Having an open credit account also reduces your average age of accounts, which reduced your credit score. Another fact. While it may drop someone with a very good, 800 credit score into the 780s and probably have no real effect on their ability to get credit, it's still not something some of us want on our credit report. Who knows what lenders are looking for.
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Carrier Complicated Upgrade Situation w/AT&T
- Thread starter 2A Batterie
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An application for credit dings your credit score, that's a fact. Having an open credit account also reduces your average age of accounts, which reduced your credit score. Another fact. While it may drop someone with a very good, 800 credit score into the 780s and probably have no real effect on their ability to get credit, it's still not something some of us want on our credit report. Who knows what lenders are looking for.
AT&T will unlock your phone once its paid off. I bought my iPhone 6 on the Next plan. Made two monthly payments then paid the phone off. AT&T unlocked my phone shortly after. Its now mine to sell unlocked whenever I choose.
My husband and I are on the 3gb share plan with rollover and we barely use any data at all.
My husband and I are on the 3gb share plan with rollover and we barely use any data at all.
How much data do you actually use? Cricket is selling a brand new iPhone 5s for $199, they are owned by att. You can get 10gb and unlimited talk and text for $55. I've been with them for over a year and really like them.
Most grandfathered unlimited plans are actually cheaper than mid and high levels for tiered data
True, but they also have some limitations. If I wanted to use my phone as a wifi hotspot, it would have been a very expensive add-on on the unlimited data plan. My new plan includes this feature and also has unlimited talk and text.
But like I said, you need to evalutate your own needs and choose the plan the fits them best.
But like I said, you need to evalutate your own needs and choose the plan the fits them best.
I don't think that you can justify hanging on to an unlimited plan, anymore. I was a holdout for a long time as well, but you're not going to be able to get the most from AT&T (or any carrier) if you stick with unlimited. I switched to a 20GB data plan for a family of 4. It's more than enough, and whatever's left rolls over. We treat it like it's unlimited data, and we've never even gotten close to going over.
I also hung on to the grandfathered unlimited data for many years. Recently we switched to the new unlimited plan. It actually saves us money and is even cheaper especially if you have DirecTV.
I just paid off my Next contract and started a new one for iP7 - they did not check my credit for the initial contract (at least the check never appeared on either TransUnion or Equifax) the actual loan/payments have not been reported to either of these reporting companies for the duration of the 24 month contract. I only check these two so I suppose it's possible AT&T uses the third - anyone else know?
I gave it up for a family share plan when I got 40GB a month (with rollover data) for the same price. Unlimited is nothing more than peace of mind. In reality, a large enough data plan is unlimited. I typically have a pool of 60-70GB each month to draw on.
If you have had AT&T for more than 1 year (at any given time, even if you have left for several years and decide to come back) if they have to run credit checks then they use an internal credit check based on your past payment history with the company so you will not see it on your credit report.