Forum Discussion
T-Mobile Credit rating issue
When signing up for my new service, they wouldn't allow me to enroll for 6 lines and receive the 0 down iphone 6s special because of my supposed credit rating results. Rep at the store told me my TransUnion report was pulled to gather my Tmobile credit rating. I don't believe T-mobile accurately scored my credit rating based on my TransUnion credit score and history listed.
I tried adding another tonight and was now told about a 65 day wait since I signed up for service.
I want to know how T-mobile determined my internal credit score. I have an excellent history and score with Transunion and see no reason why i wouldn't qualify for 6 lines and the phone special.
It has been frustrating trying to get a straight answer from the 800#.
Just because you have the credit score doesn't mean you can get approved for $5,000 worth of Technology products. Sometimes you need to be an active and an established customer for a while
This issue also occurred with me on my iPhone. Looking forward to the effective solution.
Just because you have the credit score doesn't mean you can get approved for $5,000 worth of Technology products. Sometimes you need to be an active and an established customer for a while
I faced the similar issues with T Mobile credit check. Though I did not buy any phones from T-mobile, just activated a new plan. I have excellent credit history and score. Received a letter stating my credit score is roughly 200 points lower and I may have to put down deposit! I was shocked. There must be a some sort of error on the Company's part. May be time to switch the company that checks credits for your customers!
I had the same issue when setting up new service with the 10s BOGO. Was told that my credit score was too low, and a substantial down payment was required (oddly enough, the cost of one phone) When I received a letter stating the reasons, it listed a score of over 200 pts below the actual scores from the major credit bureaus. I have had the same mobile number for 20+ years, so history is not a problem here. Smells like a bad business practice t-mobile.
Same issue here. No explanation or reasoning provided, just a stammering employee who could only read what showed up on their screen. I went to 3 different credit agencies to prove an 800+ score and explain how easy it would be to buy what I was buying at the time. Didn't matter. Maybe it has to do with Tmobile's foreign origins?
If establishing time is WHY T MOBILE DENIES CUSTOMERS, THEN DON'T LIE TO THEM WITH THE INSINUATION THE " PROPRIETY" CREDIT SCORE THAT T MOBILE COMPUTES (AND IS CONVENIENTLY 200 POINTS LOWER THAN A CUSTOMERS ACTUAL CREDIT SCORE BASED ON THE " 3 COMPANIES" (with their SECRET ALGORITHM) THAT ARE ALLOWED TO PUBLISH A TO INDIVIDUALS CREDIT SCORE.
Happened to me. Got the same letter. The section of the letter titled "Key factors that adversely affected your credit score" - was absolutely blank.
My credit score is 810 per Capital One. T-Mobile says it's 222. I called the phone number in T-Mobile's letter (LexisNexis, the credit agency), and they said they determined my credit score to be 801. Quite aligned with reality.
SO IT’S T-MOBILE AND NOT THE CREDIT AGENCY COOKING UP THE RIDICULOUSLY LOW SCORES!!!!!
So I’m ignoring this BS.
BOOOOOOOOOOOO T-MOBILE!!!!
You guys aware… free credit checks only show a “basic” credit score, and there are different credit scores depending on what you are buying, and they don’t use the same methods of credit worthiness.
Try buying a car, house, private, and cell phones. You'll have varying credit scores between all those.
tidbits - are you suggesting a disparity between 810 and 222 is normal credit score variation?
And when the credit agency that T-Mobile used to check my credit arrives at 801 (very close to 810) and then T-Mobile comes up with 222???!!!! Is that what we're to assume is normal???? I buy a lot of stuff - over half a century - and this has happened only once - with T-Mobile. And looking above, there's a clear pattern here.
deluciap wrote:
tidbits - are you suggesting a disparity between 810 and 222 is normal credit score variation?
And when the credit agency that T-Mobile used to check my credit arrives at 801 (very close to 810) and then T-Mobile comes up with 222???!!!! Is that what we're to assume is normal???? I buy a lot of stuff - over half a century - and this has happened only once - with T-Mobile. And looking above, there's a clear pattern here.
Is it really that far off or are you exaggerating? Did you verify you info? Could be a different persons SSN. Seen that happen a few times. Also yes there can be variations as high as 200. I used to be an underwriter and see that quite a few times.
