Do I need a credit score for the iphone?

Discussion in 'iPhone' started by APPLEFAN8, May 9, 2009.

  1. APPLEFAN8 macrumors 65816

    APPLEFAN8

    Joined:
    Jun 30, 2007
    Location:
    NJ/GA/FL
    #1
    My friend told me they didn't ask him for one but I read that you need one. Anyone have a clue? Thanks
     
  2. jmann macrumors 604

    jmann

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    bump on a log in a hole in the bottom of the sea
    #2
    If you don't have any credit history they will probably charge you a deposit fee, they can be up to $400 dollars. :eek:
     
  3. iGuardian macrumors 6502a

    iGuardian

    Joined:
    Aug 26, 2008
    #3
    You need a credit card. In Canada you can also charge it to your next phone bill instead.
     
  4. SilentPanda Moderator emeritus

    SilentPanda

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    #4
    I think it is needed/preferred moreso for the cell phone contract than the phone itself.
     
  5. APPLEFAN8 thread starter macrumors 65816

    APPLEFAN8

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    #5
    yeah I heard about that giant fee maybe i'll just ask my dad since his is 815 credit score.
     
  6. jmann macrumors 604

    jmann

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    #6
    You should do that, and then just have it billed to your address, and pay every month for the bill yourself. :) Problem solved.
     
  7. Primejimbo macrumors 68040

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    Around
    #7
    My credit isn't great (ex wife issue lol) and I had no issue at all.
     
  8. APPLEFAN8 thread starter macrumors 65816

    APPLEFAN8

    Joined:
    Jun 30, 2007
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    #8
    sounds good hopefully my parents dont freak each month seeing it 90 a month. I make enough to afford it but we'll see what they say since it will be my graduation gift for myself since them and my grandparents bought me a car.(2009 Nissan Altima Coupe). Maybe I can have it billed to my account and pay the bill online through TD bank. Not sure yet.
     
  9. Small White Car macrumors G4

    Small White Car

    Joined:
    Aug 29, 2006
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    Washington DC
    #9
    Yes, but that's still a history. People without ANY history have had problems, I've heard.
     
  10. APPLEFAN8 thread starter macrumors 65816

    APPLEFAN8

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    #10
    Yeah I guess just get the bill in the mail and BAM pay it on the computer through online banking for TD bank. I read its convenient that way.

    By the way i'm on verizon now.
     
  11. jmann macrumors 604

    jmann

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    #11
    Beware of the Early Termination Fee if your contract isn't up, and you disconnect/port out. The ETF depreciates $5 a month, and there is no way out of it. :(
     
  12. APPLEFAN8 thread starter macrumors 65816

    APPLEFAN8

    Joined:
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    #12
    Yeah I got you lol I already know that I should have a 130 dollar termination fee as of right now I have 330 for the Iphone it was 400 but had to get stuff for mothers day! :D
     
  13. TheBearman macrumors 6502

    Joined:
    May 23, 2008
    Location:
    Cary, NC
    #13
    You might consider starting your own credit history. You could try getting a secure charge card through your bank. Normally these require that you maintain a fixed amount in your savings which matches your credit limit. Even if that doesn't give you what is necessary to enter into the contract, you might consider using that card to pay your monthly bill. Then when the card bill comes pay it off, in full and on time. I know that this sounds a little complex for something so simple it will show your ability to meet your financial commitments.

    Those that have credit scores north of 800 like your dad had to start somewhere.
     
  14. fox777 macrumors regular

    fox777

    Joined:
    Nov 11, 2008
    Location:
    USA
    #14
    Yes you do. I had no credit history whatsoever so i had to pay $500 deposit fee. I know it's ripoff but i wanted Iphone THAT bad.. :apple:
     
  15. instaxgirl macrumors 65816

    instaxgirl

    Joined:
    Mar 11, 2009
    Location:
    Edinburgh, UK
    #15
    Wow, I had to pay a deposit on my current mobile contract (although not on the one before that :rolleyes:) but it was only £100.
     
  16. APPLEFAN8 thread starter macrumors 65816

    APPLEFAN8

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    #16
    I mean 815 was a month ago it's probably at 830 or close to it.
     
  17. Knowlege Bomb macrumors 601

    Knowlege Bomb

    Joined:
    Feb 14, 2008
    Location:
    Madison, WI
    #17
    Damn!

    15 points in one month? Your dad should be a credit counsellor!

    On a serious note, it's not possible.
     
  18. nickspohn macrumors 68040

    nickspohn

    Joined:
    Jun 9, 2007
    #18
    They can get up to $800+.
     
  19. APPLEFAN8 thread starter macrumors 65816

    APPLEFAN8

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    #19
    lol maybe not that much but maybe 5 but he always pays his bills on time.
     
  20. Willis macrumors 68020

    Willis

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    #20
    When I got my first contract phone, I had to pay £150 but got it back after a year. When I got my iPhone, I passed the credit check. BOOM! :D
     
  21. APPLEFAN8 thread starter macrumors 65816

    APPLEFAN8

    Joined:
    Jun 30, 2007
    Location:
    NJ/GA/FL
    #21
    oh alright so you think my best bet is just using my dads and paying him each month? lol
     

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