Resolved IUP & Hard Credit Check

[81Tiger04]

If I do the IUP, I understand that Citizens One will do a hard credit check. I’m fine with that.

In 2 weeks, though, let’s say my wife decides to get an 8 Plus with the IUP. Will Citizens One do another hard credit check??

 

[QueenTyrone]

If I do the IUP, I understand that Citizens One will do a hard credit check. I’m fine with that.

In 2 weeks, though, let’s say my wife decides to get an 8 Plus with the IUP. Will Citizens One do another hard credit check??

If y'all are under the same person I think a soft pull. But if she applies by herself then yes

 

[81Tiger04]

If y'all are under the same person I think a soft pull. But if she applies by herself then yes

So the key is to make sure both phones are under the same person?

 

[Shadowbech]

So the key is to make sure both phones are under the same person?

Pretty much

 

[Kahsheh]

If I do the IUP, I understand that Citizens One will do a hard credit check. I’m fine with that.

In 2 weeks, though, let’s say my wife decides to get an 8 Plus with the IUP. Will Citizens One do another hard credit check??

My understanding is within 30 days, they will not do a credit pull. Each application has a credit limit - i think most have $4000 limit.

 

[81Tiger04]

My understanding is within 30 days, they will not do a credit pull. Each application has a credit limit - i think most have $4000 limit.

Just checked with Apple and this is correct. Per the person:

"If she wants to enroll as well, as long as it is within 30 days of you enrolling, there will not be another credit check."​