iPhone X iPhone exchange woes!!!

You should have purchased the new phone first, then processed the return. My equifax is frozen too, unfroze it one day for pre-approval on pre-order, now back locked. I wanted to try the MAX and picked one up on the IUP Sat AM and it went through fine. I now have two loans showing. They will close the one I end up returning.

 

You realize your credit report is taking a negative hit every time your apply for the loan right?

 

Re: upgrade going through a week ago: a lock does not prevent an existing relationship to do a credit check. Since you already have an IUP loan, they can process a new credit check.

 

This is the right answer. I got bitten by this issue and it clears up in a week or so. The way I got around it was outright buying a phone and then returning it once my iUP got unlocked. I don't like doing stuff like that but if the system is so obtuse and I can't be left without a phone, I'm gonna do it.

 

I am sort of having a similar issue.

Pre-orderded the XS Max using my upgrade program from my X but ultimately decided I didn't love the size so I returned it and started over new with another iUP for my XS. I kept asking if this would screw up my trade in X and they assured me it would not. However I am still worried, my trade in kit comes tomorrow but I feel like it will be linked to the XS Max purchase and when they see it was returned they will just send me back my X and continue the loan, which I will not be happy about. I'm hoping they will see that I purchased the XS using the program and link it to that one.

 

Only the first time it's a hard hit. And even if you return it within 14 days and as long as you buy a new one within the 30 day period, it will be a soft hit. I did this on the 7 Plus and only showed up on the report once. I believe it's just like when you finance a car as well?

But if you are currently enrolled and did the upgrade and then decided to return that one, and reapply for a new loan, that would be a hard hit as well I believe.

 

use credit card to purchase new phone- transfer stuff over. then just open a 1up on it.

 

Yes, I believe this is what he was doing which is a hard hit on his credit.

 

This happened to me last year. This year I got my new XS, and the notch has a bleed on it. Like someone drooped ink on it.

Went to Apple, they said id have to return the XS, redo the approval etc. No one knew if it was soft or hard hit.

Wrote an email to Tim Cook. Guy called me yesterday and shipped out a brand new XS from the apple store. Order shows up as 0.00$. I just send my old XS back when this one comes.

 

Got my trade in kit today and it shows the order number for my returned XS max, I have a feeling this is not connected to the iUP XS I bought when I returned my XS max. Something tells me this is going to be an issue.

 

As good of a company as Apple is, Citizens One is complete trash. I hope their rumored lending partnership with Goldman materializes so Citizens can be banished into oblivion.