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rockluvr1988 · 05-31-2009, 5:27 PM

I have no credit at all. I'm a college student and decided not to get any credit cards or loans until I absolutely need them. Currently I am on my parents Alltel plan right now. That ends in January and i want to get an iphone, so I have to get my own plan. I'm just trying to figure out if they will approve me and if I am going to have to pay something up front. I know when my friend had poor credit she had to pay up front for something at alltel.

Any idea if I will be able to sign a contract? Should I get a low limit credit card from my credit union to try to start building my credit up?

dmapr · 05-31-2009, 10:50 PM

If they do give you credit, they'll likely collect a large deposit up front.

ComicalMoodyDan · 05-31-2009, 11:00 PM

AT&T and Verizon have the strictest credit checks with the highest deposits, so given your lack of a history you would most likely have to pay a decent sized deposit. Sprint's credit standards are lower and their deposits are also less. T-Mobile's credit check is more lean as well. I actually was on Verizon with my grandmother but I wanted something under my own name however I have horrible credit. Sprint wanted $250 from me and AT&T wanted $400 but I actually was approved with no deposit for up to 3 lines with T-Mobile!

So you might want to check into T-Mobile or Sprint.

rockluvr1988 · 06-01-2009, 11:01 AM

I want an iphone so unless it is opened up to other carriers than I have to stick with AT&T. Thanks though.

ComicalMoodyDan · 06-01-2009, 11:29 AM

Quote:

Originally Posted by rockluvr1988

I want an iphone so unless it is opened up to other carriers than I have to stick with AT&T. Thanks though.

No the iPhone is still only for AT&T. If you want an iPhone that bad then you'll likely have to pay a deposit. Go ahead and have AT&T run your credit and at least see what your deposit will be. Who knows maybe you'll get lucky and have a lower deposit or even be approved although from what you said I doubt either will be the case.

Good luck though!

crood · 06-19-2009, 3:31 PM

Alternately, if your parents are willing, they could open the account in their name and you just pay the bill.

05-31-2009, 5:27 PM	#1
rockluvr1988 Junior Member Join Date: Jan 2008 Location: NC Posts: 178 Phone(s): LG 260 The Scoop, Mothers Moto Q, LG AX5000(old), Razr v3a (sisters) Provider(s): Verizon Devices: Ipod, Mac OS, Windows OS Thanks: 3 Thanked 0 Times in 0 Posts	Can you start a contract with no credit? I have no credit at all. I'm a college student and decided not to get any credit cards or loans until I absolutely need them. Currently I am on my parents Alltel plan right now. That ends in January and i want to get an iphone, so I have to get my own plan. I'm just trying to figure out if they will approve me and if I am going to have to pay something up front. I know when my friend had poor credit she had to pay up front for something at alltel. Any idea if I will be able to sign a contract? Should I get a low limit credit card from my credit union to try to start building my credit up?

05-31-2009, 10:50 PM	#2
dmapr Join Date: Dec 2006 Location: Bay Area, CA Posts: 2,054 Phone(s): Sony Ericsson K850i, Nokia 6131 v5.50, Nokia 6820 v5.30 Provider(s): AT&T Blue; T-Mobile To Go Devices: Palm TX Thanks: 29 Thanked 31 Times in 28 Posts	Re: Can you start a contract with no credit? If they do give you credit, they'll likely collect a large deposit up front.

05-31-2009, 11:00 PM	#3
ComicalMoodyDan Join Date: Dec 2001 Location: Kingsport, TN Posts: 6,069 Phone(s): Samsung Gravity 2, Samsung Smooth Provider(s): T-Mobile, Verizon Wireless Devices: T-Mobile @Home Thanks: 0 Thanked 20 Times in 15 Posts	Re: Can you start a contract with no credit? AT&T and Verizon have the strictest credit checks with the highest deposits, so given your lack of a history you would most likely have to pay a decent sized deposit. Sprint's credit standards are lower and their deposits are also less. T-Mobile's credit check is more lean as well. I actually was on Verizon with my grandmother but I wanted something under my own name however I have horrible credit. Sprint wanted $250 from me and AT&T wanted $400 but I actually was approved with no deposit for up to 3 lines with T-Mobile! So you might want to check into T-Mobile or Sprint.

06-01-2009, 11:01 AM	Original Poster #4
rockluvr1988 Junior Member Join Date: Jan 2008 Location: NC Posts: 178 Phone(s): LG 260 The Scoop, Mothers Moto Q, LG AX5000(old), Razr v3a (sisters) Provider(s): Verizon Devices: Ipod, Mac OS, Windows OS Thanks: 3 Thanked 0 Times in 0 Posts	Re: Can you start a contract with no credit? I want an iphone so unless it is opened up to other carriers than I have to stick with AT&T. Thanks though.

06-19-2009, 3:31 PM	#6
crood Join Date: Nov 2002 Posts: 273 Thanks: 0 Thanked 3 Times in 3 Posts	Re: Can you start a contract with no credit? Alternately, if your parents are willing, they could open the account in their name and you just pay the bill.

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