Their impact decreases over time
Depends. For your score, yes, after a year there’s zero impact.
If someone is manually reviewing your credit like when you get a home/car loan, it could be a different story.
Their impact decreases over time
Mine informed me that I had a balance and that I could still go through with it. I’m not sure why, never have had that before. My bill is do next week but I have my statement now.anyone else getting an error when attempting to enter cellular info for T-Mobile preapproval? is it just because i’m on an employee discount line? i thought it shouldn’t matter as i’m not financing via T-Mobile
Apple's system is better overall. Also, if you finance, the loan is through CitizenOneAny benefits to buying through apple vs verizon and sim free vs verizon? Paid in full if that matters. I want to be able to use FI when I travel internationally and use verizon on the esim the rest of the time
Thanks for making this!
Excited to pre-order the iPhone 11 Pro once it's announced and subsequently released.
I would like to chime in and remind everyone that iStockNow is helpful - I've gotten my last two iPhones a day or two after the release in store even when they were sold out everywhere.
For those who were already enrolled in the the iUP, this years preapproval didn’t trigger a hard pull on your credit, correct? In the past it’s been a soft pull, but figured I’d ask.
Thanks in advance!
Regarding selecting a carrier during preorder:
I have an XS Max that I purchased unlocked at full price from a local Apple Store last year. Within the 14 day return period, I went to the Apple Store and had them convert my Max to the iUP (they returned the device and resold it to me on the iUP). For the upcoming launch, I've checked my upgrade eligibility on the Apple Store app (several times), and it says that I'm good to go for upgrading on the iUP. Also, I'm on the AT&T grandfathered unlimited data plan.
When I go through the iUP process during preorder, do I need to select AT&T as my carrier? If so, will my new device be locked to AT&T? Apple does not sell unlocked sim free iPhones on the iUP, but my understanding is that the TMobile devices are unlocked and that if I buy one of these models on the iUP and simply insert my current sim into the TMobile iPhone, it'll work. I think that TMobile is the only carrier where we're not required to have a current account active with them when we choose the iUP. Is this correct?
To be on the safe side, I will probably choose the AT&T device, but I'd rather have the iPhone unlocked, if possible. Maybe it doesn't even really matter (unless I decide to sell the device in the future) since I'm going to stay with my AT&T plan, but I'd appreciate any info.
thanks. adding to the front pageThis is what my apple store app says regarding SIM lock/unlock:
This is what my apple store app says regarding SIM lock/unlock:
I think when you get the pre-approval you're able to change it during the pre-orderspreordered for the iPhone Pro Max Silver 256gb. question if i want to cancel and switch to the space gray color, will that impact my loan pre approval?
I think when you get the pre-approval you're able to change it during the pre-orders
Here’s a screenshot from the pre-approval. Notice the bottom in grey
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No problem. It's a lot of information. I just like to helpreading is fundamentalthank you so much
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I'm already in the program. Completed the pre-approval for a SG 256GB 11 Pro without a hitch even with TransUnion locked. Double-checked that there wasn't a hit reported on TU. There wasn't, so yup, a soft hit.
EDIT: FYI...iPhone 11 cases are now available online at the Apple Store. Ordered a saddle brown leather case for my 11Pro. Regular delivery on the 13th.
I got an Equifax pull.Citizen One pulls credit from Experian.
I was notified when I got pre approved...
Citizen One pulls credit from Experian.
I was notified when I got pre approved...
No IUP. Only did the 24 month 0 financing on the 7+ 3yrs ago. Phone is still perfect...Hmmm....were you already enrolled in the iUP?
Correction noted - just checked and you are correct - they pulled from Experian.I got an Equifax pull.
On my iPhone XS everything populated automatically (when getting the pre-approval for a iPhone 11 Black), but on my wife's 8+ (she is going for the iPhone 11 Red) I had to enter everything. I guess it is because my XS is only 12 months of payments - enough to upgrade - but her 8+ is fully paid off.Same here, had to copy it from the wallet app.
Yep got my preapproval done a couple of minutes after 4 PM CDT. Quick as usual. Space grey, 512 GB iPhone Pro Max, time to go back to the larger format and max ram. I do not see much readiness for 5G next year it is way to early going to take several years so this will be awesome phone for me. Let the fun begin as we travel from China and start worrying about flights LOLAdded to the front page. Thanks sir
I was on fence but the camera tech is always of interest. I am on iUP anyway, I do not see 5G being much for several years so waiting for that next year did not stop me. I moved back up from Xs to a Pro Max (space grey) with 512 GB to really go big and have photo storage space.Got pre-approval for the white 11Pro 256GB.
I told myself I'd skip this one...
oh well
More fun going through typhoonsThat’s my favorite part! I just hope mine doesn’t start out stateside like it did last year. Talk about a boring week.
I did the X and Xs down from the 7s Max. But decided I wanted Max again iike having a iPad mini for video watching.It's kind of a matter of not needing the bigger device. I told myself after this year I would probably drop back down to the comfortable 5.8" form factor.
Just completed my pre-approval as an existing iUP enrollee and DID get a hard credit inquiry via Equifax. Not the end of the world, but it kinda sucks having a hard pull every year for a phone. Oh well.