Got the iPhone, returning it tomorrow

[Island Dog]

I went to the AT&T store and they ran everything there, gave me a code and it finally worked without problem. Although I was at the AT&T store for nearly an hour because they employees seemed to have no training at all in regards to the iPhone.

In the time I was there we were watching many more people come in with iPhones in hand with the same types of problems. It was very frustrating, but I'm happy it all worked out.

This thread is ridiculous. Apple and ATT get bashed because this guy doesn't know his credit score.

My credit wasn't the problem, you really shouldn't assume you know about my financial history.

 

[deirdre]

People with credit problems shouldn't be spending $600 for a phone.

There's two kinds of "credit problems" -- you may have some personal info mismatch. There are 27 (!) variations of my name on Experian, and most of them I've never used (I have changed my name when I've been married, so some of those variations are legit). Since people who made typos reported them with tradelines, I can't get the others removed. The three credit reporting agencies also do not agree about what my name is -- and NONE of them have my actual, correct, legal name. It's not like I haven't been fighting this for three years. I just don't want to sue a credit reporting agency.

It's because of the name mismatch that I had to go in.

As an example: I have one name variation where my name is listed as "Deirdr." I have one where my surname is listed as my first name and vice-versa.

The other kind is payment history problems in the past, which aren't necessarily the person's fault. There's a number of corporations that have been fined and sued over failure to post payments. It also says nothing about current payment history.

It may also not be the person's fault for other reasons. I have a friend who has a minor child who did something wrong. In most states, the parent is liable. The harmed person sued the mother and got a money judgment in small claims. Even though it was paid immediately, that will be on the mother's credit report for 7 years (more in some states), much to her surprise.

 

[deirdre]

This thread is ridiculous. Apple and ATT get bashed because this guy doesn't know his credit score.

http://www.equifax.com/home/

I think you mean: http://www.myfico.com/

You'd want to get your credit score for more than just Equifax, even though AT&T pulls mostly Equifax.

 

[nbs2]

Well the info you give us is "My credit card failed the credit check" and "It's never done this before" What the hell do you expect us to think? The machines made a huge glitch for you only and the thousands who are activating the iPhone aren't getting it?

Yes.

I would suggest that you check out your credit report to see why they are reporting credit problems. You never know what might be the cause.

That was my first thought in reading the OP. I would suggest getting a copy of your credit report. Oft times, the first indication that people have of ID theft is a credit denial (usually for a CC, but not always). Good luck.

 

[wongulous]

At the risk of drifting off topic, damn. Those "faceless corporations" have shareholders and employees. So yeah, you owe "people" money. Just because it's through someone's 401k or their paycheck instead of a personal IOU doesn't change that fact.

Offtopic, but it's okay.

Don't try to garner sympathy by equating these corporations with their employees losing out on 401(k) plans. If their accounts get ransacked it's because (1) they were stupid/gullible enough to put all of their 401(k) investments into company stock and/or (2) there's no money left after the CEOs get their millions/billions paid.

The CEOs are still getting paid one way or another... therefore it's their choice if they can't part with a few mil to fairly compensate employees if they're losing/going out of business.

So I still don't feel that owing debt or harming revenue of a business is an equal crime to owing debt or harming the financial wellbeing of an actual person (victim); the criminals are the apathetic, greedy higher-ups that get paid no matter what, even if the joe schmoes are getting shafted/laid off/out of a 401(k).