I have very little credit history, if any at all (according to two of the three credit bureaus of America). Don't know how it happened, but it probably has to do with, as a child, seeing my mother in constant credit crisis as she raised me an my sisters on her own. Led to the sometimes poor habit of always buying in cash, and all up front. No cars, no credit cards, not a homeowner, no loans, full scholarship to college. I recently tried to purchase an iPhone from AT&T's "Premier" online shop, only to be turned down. Today I received a notice from AT&T claiming that I was turned down because they require a deposit from folks like me, and Equifax "did not make a decision" on the deposit request. I was never asked to make a deposit by AT&T or Equifax, so I'm a little bit dumbfounded. I would have gladly done so. My question is: do you think I'd be denied if I walk over to the Apple Store tonight to pick one up in person? Do any of you have bad or no credit, and were allowed to leave the store with an iPhone? Did you have to make a deposit (how much, if you don't mind me asking)? Is there any way to get pre-approved over the phone before walking over there? Thanks in advance.