If your identity was impacted by the Equifax breach the smartest thing you can do is freeze your credit report from all three credit-reporting agencies (Equifax, Transunion and Experian).
Apple Finance AKA iPhone Upgrade Program (IUP) utilizes Citizens One (Bank) who will use only your Equifax credit report in consideration for approval in extending credit for monthly payments. If you freeze your credit report right now you will have to unfreeze it prior to applying for the IUP. It's currently FREE (normally $10) to freeze your Equifax credit report. but only until October 11th.
Join me in requesting Apple open pre-authorization for IUP on iPhone X as soon as possible:
https://www.apple.com/feedback/iphone.html
Here is what I submitted (use it if you like)
Subject: Please allow pre-auth early for new IUP (Equifax breach\credit freeze concern)
Message:
Greetings, in light of the recent Equifax identity breach and forthcoming release of iPhone X many of us would like to enroll in the iPhone Upgrade Program ASAP so that we can freeze our Equifax credit reports while Equifax is offering it free for the next 30 days. According to https://techcrunch.com/2017/09/12/will-equifax-waive-credit-freeze-fees/ we have until October 11th, then it will be $10 to lock our credit report.
Respectfully it is in the best interest of your future Apple Finance customers who wish to purchase the iPhone X at launch and to make payments to allow us to go through the pre-approval process NOW. As I understand it once approved the Citizens One (Bank) will be able to charge on November 3rd when the phone is available to the public.
Please consider our request. TY
Apple Finance AKA iPhone Upgrade Program (IUP) utilizes Citizens One (Bank) who will use only your Equifax credit report in consideration for approval in extending credit for monthly payments. If you freeze your credit report right now you will have to unfreeze it prior to applying for the IUP. It's currently FREE (normally $10) to freeze your Equifax credit report. but only until October 11th.
Join me in requesting Apple open pre-authorization for IUP on iPhone X as soon as possible:
https://www.apple.com/feedback/iphone.html
Here is what I submitted (use it if you like)
Subject: Please allow pre-auth early for new IUP (Equifax breach\credit freeze concern)
Message:
Greetings, in light of the recent Equifax identity breach and forthcoming release of iPhone X many of us would like to enroll in the iPhone Upgrade Program ASAP so that we can freeze our Equifax credit reports while Equifax is offering it free for the next 30 days. According to https://techcrunch.com/2017/09/12/will-equifax-waive-credit-freeze-fees/ we have until October 11th, then it will be $10 to lock our credit report.
Respectfully it is in the best interest of your future Apple Finance customers who wish to purchase the iPhone X at launch and to make payments to allow us to go through the pre-approval process NOW. As I understand it once approved the Citizens One (Bank) will be able to charge on November 3rd when the phone is available to the public.
Please consider our request. TY