Very worried...

[dave11]

I just read something in itunes while trying to activate my iphone. Im a new customer and I had no idea they made a credit check (im 18). Anyways, at the end of it, they gave me three options, to put the credit check approval code by going to a store (didnt want to go to one), get prepaid(sucks), or restart. I restarted about 10 times, and in frustration, I called as well. Now, when I was trying to activate it without the code (didnt know I needed one) were they performing a credit check--was that what was taking 3 mins?
If so, I did it on my SN which is horrible, and on my moms too. Please tell me that the itunes did not run a credit check those times I tried activating it. What should I do? I plan to go tomorrow to att.

 

[loudestnoise]

Running multiple credit checks does indeed affect your credit score. And using someone else's SSN is in all likelihood illegal. It's kind of known as fraud.

 

[brasscat]

If you are a new customer, then yes, ATT was probably running a credit check every time you ran through the process. If you are an existing customer moving from one phone to the iPhone then no, they don't run the credit check.

 

[rick98761]

I just read something in itunes while trying to activate my iphone. Im a new customer and I had no idea they made a credit check (im 18). Anyways, at the end of it, they gave me three options, to put the credit check approval code by going to a store (didnt want to go to one), get prepaid(sucks), or restart. I restarted about 10 times, and in frustration, I called as well. Now, when I was trying to activate it without the code (didnt know I needed one) were they performing a credit check--was that what was taking 3 mins?
If so, I did it on my SN which is horrible, and on my moms too. Please tell me that the itunes did not run a credit check those times I tried activating it. What should I do? I plan to go tomorrow to att.

They will just ask for a deposit. If you have no credit or little credit they need some money to ensure you won't skip out on a bill.

 

[aph3x]

Generally they should do a 'soft' hit of your credit which shouldn't affect score or anything else.

I just read something in itunes while trying to activate my iphone. Im a new customer and I had no idea they made a credit check (im 18). Anyways, at the end of it, they gave me three options, to put the credit check approval code by going to a store (didnt want to go to one), get prepaid(sucks), or restart. I restarted about 10 times, and in frustration, I called as well. Now, when I was trying to activate it without the code (didnt know I needed one) were they performing a credit check--was that what was taking 3 mins?
If so, I did it on my SN which is horrible, and on my moms too. Please tell me that the itunes did not run a credit check those times I tried activating it. What should I do? I plan to go tomorrow to att.

 

[dave11]

Well, im speaking to an apple rep to see what he/she says about this.
It probably did a lot of damage to my credit, i ran it a lot times trying to get it to work. I SERIOUSLY hope they didnt do a credit check.

 

[appleii2mac]

They undoubtedly ran a credit check. But I suspect checking it multiple times from the same company (AT&T) will not really ding your credit score too much.

Besides, I monitor my credit scores quite closely, and every time I've checked my credit score for some reason (new phone acct etc.) , it only dings the fico for 1 point.

Also, checks on your score fall off (i.e. no longer affect your score) after a year.

 

[dave11]

They undoubtedly ran a credit check. But I suspect checking it multiple times from the same company (AT&T) will not really ding your credit score too much.

Besides, I monitor my credit scores quite closely, and every time I've checked my credit score for some reason (new phone acct etc.) , it only dings the fico for 1 point.

Also, checks on your score fall off (i.e. no longer affect your score) after a year.

I dont know, Im really worried now. I have always been preoccupied with keeping a good credit score, something 750 or above. ATT ran my credit at least ten times, which if really meant 5 points and not one, would be 25 points--pretty bad.

 

[FreeState]

It's kind of known as fraud.

Kind of? It is fraud, no kind of about it.

 

[Lebowski]

so im guessing purchasing a six hundred dollar phone when you are 18 and have horrible credit was a good move then?