Become a MacRumors Supporter for $50/year with no ads, ability to filter front page stories, and private forums.

thenobody

macrumors member
Original poster
Mar 16, 2011
86
30
After the Equifax hack and everywhere recommending to set a credit freeze at all three credit companies - which many many people will do -, will doing this prevent a preorder for for the new iphones from going through?
On payment plans like AT&T Next and Apple upgrade programs. They say they require credit approval.

What’s the recommendation here then?
For the likes of AT&T or Apple should there be a specific one of the agencies only that the freeze should not be put on.

If this is the an issue then I would think maybe a lot of affected people may see new iPhone service accounts setup up with their information by others.

This may unknowingly turn in to a big ordeal for a lot of people ...
 

AllergyDoc

macrumors 68000
Mar 17, 2013
1,985
8,961
Utah, USA
Damn good question. We had fraud alert put on our accounts. If we choose to upgrade, I'm wondering if it create a hassle.
 

thenobody

macrumors member
Original poster
Mar 16, 2011
86
30
Yeah, I was going to put the freezes on tomorrow but am thinking of getting the iPhone X. So guess I’ll see what chaos it causes on Fridays pre-launch and know better what to do for Oct 27.

Still would be concerned about lifting the freeze then to allow me in but leaving the door open too for the hackers to open accounts with my info at such a significant event
 

EDH667

macrumors 65816
Nov 25, 2009
1,035
278
Northern California
I have had a credit freeze on all three credit bureaus for years and only lift it once or twice a year. When you unfreeze you can specify that only a certain company such as AT&T has access to your information.
 
  • Like
Reactions: thenobody

Travisimo

macrumors 6502a
Dec 22, 2009
991
226
AFAIK, a freeze will totally prevent anyone from approving credit without lifting the freeze. So you'd want to lift the freeze or specify and exception as described above.

A fraud alert, however, is handled a little different. In my experiencing, it requires additional authentication for approval, usually through a phone call. So it's an extra step that can definitely delay placement of your order, but it can still go through without lifting it.

AT&T Next doesn't need a credit approval if you are already an established postpaid customer (at least, it hasn't for me). If you are a new customer opening a new account, then yes it will require a credit check.
 

Orien

macrumors regular
Mar 4, 2010
179
53
California
If you're on iUP already, Citizens One already has access to your credit reports even if they're frozen, so I wonder if you actually need to lift your freezes to stay on the Apple Upgrade Program.
 
Register on MacRumors! This sidebar will go away, and you'll see fewer ads.