Very worried...

Discussion in 'iPhone' started by dave11, Jul 2, 2007.

  1. dave11 macrumors newbie

    Joined:
    Jul 2, 2007
    #1
    I just read something in itunes while trying to activate my iphone. Im a new customer and I had no idea they made a credit check (im 18). Anyways, at the end of it, they gave me three options, to put the credit check approval code by going to a store (didnt want to go to one), get prepaid(sucks), or restart. I restarted about 10 times, and in frustration, I called as well. Now, when I was trying to activate it without the code (didnt know I needed one) were they performing a credit check--was that what was taking 3 mins? :eek: :confused:
    If so, I did it on my SN which is horrible, and on my moms too. Please tell me that the itunes did not run a credit check those times I tried activating it. What should I do? I plan to go tomorrow to att.
     
  2. loudestnoise macrumors 6502

    loudestnoise

    Joined:
    May 31, 2005
    Location:
    Nashville, TN
    #2
    Running multiple credit checks does indeed affect your credit score. And using someone else's SSN is in all likelihood illegal. It's kind of known as fraud.
     
  3. brasscat macrumors 6502

    brasscat

    Joined:
    Jun 9, 2007
    Location:
    Dallas, Texas
    #3
    If you are a new customer, then yes, ATT was probably running a credit check every time you ran through the process. If you are an existing customer moving from one phone to the iPhone then no, they don't run the credit check.
     
  4. rick98761 macrumors 6502

    Joined:
    Feb 18, 2005
    Location:
    Kansas City, MO
    #4

    They will just ask for a deposit. If you have no credit or little credit they need some money to ensure you won't skip out on a bill.
     
  5. aph3x macrumors member

    Joined:
    Jun 28, 2007
    Location:
    Reno, NV
    #5
    Generally they should do a 'soft' hit of your credit which shouldn't affect score or anything else.

     
  6. dave11 thread starter macrumors newbie

    Joined:
    Jul 2, 2007
    #6
    Well, im speaking to an apple rep to see what he/she says about this.
    It probably did a lot of damage to my credit, i ran it a lot times trying to get it to work. I SERIOUSLY hope they didnt do a credit check.
     
  7. appleii2mac macrumors regular

    Joined:
    May 23, 2007
    #7
    They undoubtedly ran a credit check. But I suspect checking it multiple times from the same company (AT&T) will not really ding your credit score too much.

    Besides, I monitor my credit scores quite closely, and every time I've checked my credit score for some reason (new phone acct etc.) , it only dings the fico for 1 point.

    Also, checks on your score fall off (i.e. no longer affect your score) after a year.
     
  8. dave11 thread starter macrumors newbie

    Joined:
    Jul 2, 2007
    #8

    I dont know, Im really worried now. I have always been preoccupied with keeping a good credit score, something 750 or above. ATT ran my credit at least ten times, which if really meant 5 points and not one, would be 25 points--pretty bad.
     
  9. FreeState macrumors 68000

    FreeState

    Joined:
    Jun 24, 2004
    Location:
    San Diego, CA
    #9
    Kind of? It is fraud, no kind of about it.
     
  10. Lebowski macrumors 6502

    Joined:
    Oct 10, 2005
    Location:
    Phoenix, AZ
    #10
    so im guessing purchasing a six hundred dollar phone when you are 18 and have horrible credit was a good move then?
     

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