iPhone Upgrade Program Credit Check Results 2016 POLL

Discussion in 'iPhone' started by TVProducer, Sep 9, 2016.

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What was your result of applying for Apple's Upgrade Program

  1. 0-450 - APPROVED

    7.1%
  2. 0-450 - DENIED

    0 vote(s)
    0.0%
  3. 451- 530 - APPROVED

    2.4%
  4. 451- 530 - DENIED

    2.4%
  5. 531-580 - APPROVED

    0 vote(s)
    0.0%
  6. 531-580 - DENIED

    0 vote(s)
    0.0%
  7. 581-660 - APPROVED

    11.9%
  8. 581-660 - DENIED

    0 vote(s)
    0.0%
  9. 661+ - APPROVED

    64.3%
  10. 661+ DENIED

    11.9%
  1. TVProducer macrumors newbie

    TVProducer

    Joined:
    Sep 9, 2016
    #1
    Hey Everyone,

    So i have roamed far and wide on the internet for the average credit score that citizen's is approving for their finance programs/upgrade program. What i gathered from the 2015 launch is that people with excellent credit were being denied while people with average (580-690) credit were being approved.

    Now as you all are aware by now every upgrade comes with a new credit check as it is a "new" loan. What i am hoping to gather from this is an average credit score of approval and denial to help not only myself but others as well.
     
  2. ramonabynes macrumors regular

    ramonabynes

    Joined:
    Jun 28, 2016
    #2
    I was approved this morning. According to creditkarma.com, equifax reported something like a 775 to citizens bank this morning. My score has gone down 3 points from the hard inquiry. I actually thought I had something like a 740, but I don't think creditkarma scores are exact? It's probably close though
     
  3. TVProducer thread starter macrumors newbie

    TVProducer

    Joined:
    Sep 9, 2016
    #3
    Yeah they are ballpark, but obviously it isn't just the number a lender looks at but tthe reason for that number.. i wish i could add to the poll something like # of credit inquiries existing
     
  4. cardfan macrumors 65816

    Joined:
    Mar 23, 2012
    #4
    It just seems retarded to do. You may as well get a credit card with a stellar sign up bonus like the chase sapphire reserved or one with a bonus and free interest rate and buy an unlocked one.
     
  5. ramonabynes macrumors regular

    ramonabynes

    Joined:
    Jun 28, 2016
    #5
    Not if you don't want to keep the phone. I'd rather pay half and give it back. And actually citizen's will be charging my chase sapphire preferred monthly. So I still get the points eventually
     
  6. Blueline29 macrumors 68020

    Blueline29

    Joined:
    Jun 16, 2009
    Location:
    Windermere, FL
    #6
    Yeah, Credit Karma's scores can vary wildly from what the actual bureaus are reporting at the given time. CK was showing mine as a LOT lower than any of the major bureaus a while back--I about had a stroke when I saw that.
     
  7. ETechMaster2002 macrumors member

    Joined:
    Jul 29, 2016
    #7
    Would someone with a 599 credit score get accepted. I live 142 miles away from an Apple Store and it would suck to get denied after that long drive.
     
  8. cforster macrumors 6502

    Joined:
    Sep 19, 2013
    Location:
    Missouri USA
    #8
    I find this topic interesting. I've wondered myself, but stayed with Verizon financing.
    --- Post Merged, Sep 11, 2016 ---
    I hear you. I live about 2.5 hours away from the closest Apple Store too.

    Don't forget, you have to present a valid credit card as well. Just ID and a credit score isn't enough.
     

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