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A prepaid account does not require a credit check, a postpaid one does.
 
The one that cost $100 down
The new plan that it's favored by many people
The 24 monthly payments of $22 for the phone
If you don't want service
 
If you want to finance a phone for 24 months then a credit check is required.

They also now have a Postpaid BYOD plan that doesn't require a credit check. You'll need to bring your own phone or buy one full price from T-Mobile.
 
The one that cost $100 down
The new plan that it's favored by many people
The 24 monthly payments of $22 for the phone
If you don't want service

The point of their financing the phone is to get people to use their service, they're not going to just finance it for you and let you go use it on someone else's network.
 
I don't think require a credit check. I'm also with T-Mobile and pay month-to-month. Since your paying upfront on a month-to-month basis, you're in good standing. If your financing a phone, then you would require one.
 
Only if you're financing a phone right?

They run a credit check on everyone opening a new postpaid account, even if you're not financing a phone. I had one pulled on me even though I bought my 5s unlocked direct from Apple for full price. They told me I could have up to 5 lines without putting down a deposit, but that it varies based on individual credit worthiness.
 
The no contract plans are still considered post-paid accounts, which still require a credit check. Even if you buy the phone outright, a credit check is going to be run to get service UNLESS you specifically get a pre-paid plan.
 
Only if you're financing a phone right?

As of August they have a "No Credit Check" Postpaid plan for those who don't want their credit ran. You have to have your own phone and also have to pay deposits:
$50 - first line
$30 - second line
$10 - third line
$10 - fourth line

Four line maximum.
 
As of August they have a "No Credit Check" Postpaid plan for those who don't want their credit ran. You have to have your own phone and also have to pay deposits:
$50 - first line
$30 - second line
$10 - third line
$10 - fourth line

Four line maximum.

Interesting. They didn't even offer that option to me last week, but I'd still rather have my credit pulled than pay down a deposit, so no biggie.
 
As of August they have a "No Credit Check" Postpaid plan for those who don't want their credit ran. You have to have your own phone and also have to pay deposits:
$50 - first line
$30 - second line
$10 - third line
$10 - fourth line

Four line maximum.

That's pretty stupid to do a credit check if youre not financing anything isn't it? Is there a service difference between prepaid/postpaid, like roaming?
 
That's pretty stupid to do a credit check if youre not financing anything isn't it? Is there a service difference between prepaid/postpaid, like roaming?

AFAIK, virtually everybody pulls credit if you're signing up for a postpaid plan. I know AT&T did too when I first signed up years ago with them.

Prepaid terms & conditions:
Capable device required to reach 4G speeds; featured devices may not be 4G capable. Limited time offer; subject to change. Taxes additional. Not all features available on all devices. Unlimited talk & text features for direct US communications between 2 people. Pay-In-Advance Monthly Plans: Features available for 30 days; if sufficient balance, plans automatically renew at expiration. If balance is insufficient to renew for 120 days, account will be converted to Pay As You Go. Pay As You Go: Service available for 90 days (one year for Gold Rewards) after activation/refill/conversion; thereafter, your account will be suspended. Gold Rewards requires activation of $100 in refills while on Pay As You Go plan. Plan Changes or Renewals: When you switch between plans or renew a monthly plan, features or credits associated with your prior plan will no longer be available, and you are not able to switch back to some plans. Some plans will not allow early renewal. General Terms: $10 SIM starter kit may be required. Sufficient balance required to use service. Domestic use only; additional charges apply for international use. Partial kilobytes rounded up. No data roaming. Some plans include specified data speeds. Where indicated, full speeds available up to data allotment; then slowed to up to 2G speeds for balance of service period. Coverage not available everywhere. Network Management: Data traffic of postpaid plans with limited high-speed data allotments greater than 2GB will be prioritized over other currently offered plans during periods of congestion. Service may be slowed, suspended, terminated, or restricted for misuse, abnormal use, interference with our network or ability to provide quality service to other users, or significant roaming.
 
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That's pretty stupid to do a credit check if youre not financing anything isn't it? Is there a service difference between prepaid/postpaid, like roaming?

Prepaid doesn't get data roaming, and don't get as much voice roaming coverage either. They also get bumped down on the priority list when towers are congested. Other than that they are pretty much the same service-wise.

The reason they do the credit check even if you don't finance a phone is because signing up for a plan still makes you eligible to finance one if you choose to do so in the future. It's like how the other carriers run a credit check even if you don't buy a subsidized device from them. Because you're eligible to get one, the carrier is taking a financial risk.

I think that's why they introduced the no credit check postpaid plan. It doesn't require a credit check and it also doesn't give you the ability to finance a phone in the future either.
 
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