WirelessAdvisor.com

mjpd1 · 10-02-2002, 7:08 PM

This may be long, but PLEASE read it and help me out if you can:

I finally got the nerve to go to Verizon today to pick up a T720, but to no avail. After running my credit check, the guy tells me they need a $400 deposit from me! Bewildered, I had the guy call in and find out exactly why. The lady on the other end of the phone tells him that the computer says I have NO CREDIT! NONE! At all! I lay 2 credit cards on the table, both with a balance of $0, that I've had for several years. Then I point to my 2002 Jetta in the parking lot that I just bought a month ago! He tells the lady "he's got credit cards, and he just bought a car for god's sake, he's gotta have credit!". She says there's nothing she can do right now, and they're asking me to come back in the morning to straighten this out...

Has anyone else ran into a similar problem with Verizon not pulling up accurate credit info? Or am I in some sort of "Changing Lanes" scenario, and I have someone's files that they really want back?

wakko · 10-03-2002, 8:54 AM

Did they get your social security number right? I was denied a best buy credit card once, and when I finally received the letter with the explaination, it was because the girl mistyped my soc, so they said I had insufficient credit history.

Even though a cell phone is essentially a line of credit, I'm not 100% sure if you'll get a denial explaination in the mail.

Sorry, I don't remember exactly what that letter is called, but it states the reason for denail, and then by law, if you are rejected for credit, you are entitled to a free credit report.

mjpd1 · 10-03-2002, 8:58 AM

yeah, they read my social security number back to me. They had all my personal info right, just NO credit history at all! I'm going back this afternoon to try and get it straightened out.

wakko · 10-03-2002, 9:36 AM

I would say try a different store, but I'm guessing they all call into the same credit verification service.

Good luck. Hope it they get i straight this time.

Bruhahn5565 · 10-03-2002, 12:42 PM

That is really strange. My son got his phone from Sprint and he has absolutely no credit. No credit cards,,, no loans,,, nuttin. Good luck getting it straightenend out..

Jack · 10-03-2002, 1:38 PM

About Sprint- There credit standards are not as high as verizon wireless

Jack

ComicalMoodyDan · 10-03-2002, 2:43 PM

Sprint PCS is known to have the lowest credit standards of the 6 major wireless carriers.

mjpd1 · 10-03-2002, 6:54 PM

Well I went back to Verizon tonight and tried again, but got the same response from the people. One guy there said he had something similar happen to him, and it was due to his purchase of a new car. He said 3 months later, everything was fine. I guess they want to see that I'm capable of making my car payments on time or something. SO, I called Sprint, told them NOT to disconnect my phone yet! I'm gonna pay them month-to-month until I get this all sorted out. Which actually is a good thing, cause I really wanted to wait for the Samsung Jupiter (this mystery phone that I can find NO info on!) or something better than the T720. So thanks for all the info guys! I'm gonna go pull my credit report off the web now and make sure no one's stolen my identity or somethin!

roamer1 · 10-03-2002, 10:06 PM

Per the Fair Credit Reporting Act, you will get a letter in the mail if you are denied service or are asked for a deposit ("adverse action".)

It's possible that VZW pulled credit from a credit reporting agency that has incomplete (in this case, "no") info on you. I find my Equifax report is most complete of the Big Three CRAs, Trans Union has most of my accounts, and Experian doesn't know about over half my accounts. (Which of the three CRAs has the most info on you usually depends on where in the country you live -- according to bankers I know, in the South, Equifax is big [I work two blocks from Equifax's HQ in Atlanta!]; in the East, TU is; and in the West, Experian is.)

-SC

mjpd1 · 10-03-2002, 10:52 PM

Ohio uses Equifax, Experian, and Transunion. I personally pulled my credit report off all 3 of these sites tonight, and every single one is accurate and up to date. They even show the inquiries from Verizon from 2 days ago! Every single report is complete and in good standing (even better than I had thought it would be!). So I know SOMEthing's messed up over at VZW. I may take my reports in just to show them and prove myself, but at this point I'm just going to hold off for a month or so anyways, and see what new phones Verizon has up their sleeves for the holiday season...I've had Sprint for this long; I can suffer for another month or two...[img]i/expressions/face-icon-small-smile.gif[/img]

ossidon · 10-04-2002, 9:35 AM

I had exactly the same Kind of problem yesterday with the verizon service. When my credit information was pulled up they said "INSUFFICIENT CREDIT" whereeas I am having platinum cards and the like. I was asked to pay 400 $ as a deposit by Verizon whihc I refused. I pulled up my credit reports from Equifax and it was accurate with a good rating. Hence I wonder wot is wrong with te Verizon System.
Kindly let me know aor email me as to what we can do in this kind of a situation. I want Verizon simply because of its coverage and service.

RITMarketer · 10-04-2002, 10:09 AM

Quote:

Originally posted by: TNDan21
Sprint PCS is known to have the lowest credit standards of the 6 major wireless carriers.

I work for Cingular, and as I understand, ours change depending on how many activations we need or how good a month the company is having.

P

ToTalLyWirELesS · 10-04-2002, 6:07 PM

Sprint PCS has EXTREMELY lenient credit policies, whereas Verizon Wireless is MUCH more stringent.

10-05-2002, 10:56 AM

try T-Mobile

SprintTechRep · 10-07-2002, 9:57 AM

sprint does have the lowest of credit requirements. Which is not necessarily a good thing. Because sprint gets all the financially undependable customers. Hence why sprint has the highest "churn" rates. Which is a result of people not being able to pay their bills and end up cancelling. And when wireless companies are ranked, sprint loses points for high churn rate.

ZaphodB · 10-07-2002, 12:51 PM

It could be that they pulled the credit report from one of the bureaux that didn't have much on you. (Experian still think I live in Minnesota. Haven't for years and years.)

It could be that they put in the wrong SSN. They may not have put in the right information either, which would result in a "sorry, couldn't find anything" error.

Find out who they use and pull your own credit just to make sure. Yes, technically you can wait for the letter and get a free report but I just pay the $8.50. I do it once a year anyway just to keep tabs on it, all three (well worth the $25 investment to get the peace of mind - my identity has been stolen twice).

You can send them a letter contesting the denial. Also, in CA, they are required to pay you 3% interest on your deposit at the year's anniversary.

I suspect operator error on VZW's part. and concur, you should try a different store.

mjpd1 · 10-07-2002, 1:09 PM

Thanks for the info. I pulled my report from all 3 bureaus and everything looks fine. I'd try a different store, but that's just gonna put even more inquiries on my credit report, which is a bad thing to have. I don't wanna have 3 hits on my credit report from Verizon within a month! I'm just gonna wait it out for a month or so...

WirelessBeachBum · 10-07-2002, 4:25 PM

Most likely if your score came back a zero...I've seen this happen, it is a glitch in the credit system. Sometime's credit software will have glitches, at my last company I could run credit on an indivual and they would come up with a zero, I had an alternative dial-in software program that I could go to and get an accurate report on them...we always knew we had a glitch when it came back a zero.

You may want to ask your Verizon rep to call the credit department and do what's called a "manual review" this way a credit specialist can look at your credit report in more detail...other than just a "score".

mjpd1 · 10-07-2002, 6:39 PM

yep, I had him call and do a manual review...came back the same! Is there any way to have them try again without it counting as a hit on my credit report?

ComicalMoodyDan · 10-07-2002, 6:52 PM

I would just forgot about signing up with Verizon Wireless if I was you. It's too much of a hassle either stick with Sprint PCS or go with somebody else.

corey0876 · 11-24-2002, 7:35 PM

Well..i think the Credit check thing is a violation of our privacy!!!!! These carriers want money..but yet they make you pay a deposit to to get one..it's just a monry making skeme!!!

Koss · 11-25-2002, 11:43 AM

E-mail me and I'll try to help you resolve this. I am in the Ohio market.

dallison · 11-26-2002, 1:46 PM

sometimes what i have seen is that when someone buys a new house or vehicle w/in the last few months they sometimes require a deposit. this does not necessarily reflect your credit history accurately..i know when i bought a new truck this past summer and about 2 months later went to apply for store credit to buy furniture i was denied b/c of this

dallison · 11-26-2002, 1:47 PM

if you have never used those cards or have only used them a half dozen or so times and purchased inexpensive items and paid them off right away, you may have minimal credit

GSMFan · 11-27-2002, 10:53 AM

If the T720 is what you want, come to T-Mobile for the T720i and get a free camera too! The credit system sould work for you too!

WirelessBeachBum · 12-08-2002, 9:13 PM

corey0876.

Quote:

Well..i think the Credit check thing is a violation of our privacy!!!!! These carriers want money..but yet they make you pay a deposit to to get one..it's just a monry making skeme!!!

The reason credit checks are in place is because the company is extending it's credit on your behalf when you roam...Every time you make a call on another carriers network you are obligating your home carrier to pay for that call...regardless of whether you pay your bills or not.

mjpd1 · 12-09-2002, 9:13 AM

Well, here's what I did. I went to Verizon, took my boss with me, got a T720, and he just added me to the company's account. No credit check or anything. I wasn't gonna take the chance of Verizon hitting my credit report a 3rd time, just so they could try and convince me that I have no credit! So I got a phone, I love it, Verizon is MUCH clearer and more stable than Sprint; Thanks for all the info guys! Have a Merry Christmas!

10-02-2002, 7:08 PM	#1
mjpd1 Fresh Member Join Date: Oct 2002 Posts: 16 Thanks: 0 Thanked 0 Times in 0 Posts	Credit report problems through Verizon? This may be long, but PLEASE read it and help me out if you can: I finally got the nerve to go to Verizon today to pick up a T720, but to no avail. After running my credit check, the guy tells me they need a $400 deposit from me! Bewildered, I had the guy call in and find out exactly why. The lady on the other end of the phone tells him that the computer says I have NO CREDIT! NONE! At all! I lay 2 credit cards on the table, both with a balance of $0, that I've had for several years. Then I point to my 2002 Jetta in the parking lot that I just bought a month ago! He tells the lady "he's got credit cards, and he just bought a car for god's sake, he's gotta have credit!". She says there's nothing she can do right now, and they're asking me to come back in the morning to straighten this out... Has anyone else ran into a similar problem with Verizon not pulling up accurate credit info? Or am I in some sort of "Changing Lanes" scenario, and I have someone's files that they really want back?

10-03-2002, 8:54 AM	#2
wakko Junior Member Join Date: Aug 2002 Posts: 108 Thanks: 0 Thanked 0 Times in 0 Posts	Credit report problems through Verizon? Did they get your social security number right? I was denied a best buy credit card once, and when I finally received the letter with the explaination, it was because the girl mistyped my soc, so they said I had insufficient credit history. Even though a cell phone is essentially a line of credit, I'm not 100% sure if you'll get a denial explaination in the mail. Sorry, I don't remember exactly what that letter is called, but it states the reason for denail, and then by law, if you are rejected for credit, you are entitled to a free credit report.

10-03-2002, 8:58 AM	Original Poster #3
mjpd1 Fresh Member Join Date: Oct 2002 Posts: 16 Thanks: 0 Thanked 0 Times in 0 Posts	Credit report problems through Verizon? yeah, they read my social security number back to me. They had all my personal info right, just NO credit history at all! I'm going back this afternoon to try and get it straightened out.

10-03-2002, 9:36 AM	#4
wakko Junior Member Join Date: Aug 2002 Posts: 108 Thanks: 0 Thanked 0 Times in 0 Posts	Credit report problems through Verizon? I would say try a different store, but I'm guessing they all call into the same credit verification service. Good luck. Hope it they get i straight this time.

10-03-2002, 12:42 PM	#5
Bruhahn5565 Fresh Member Join Date: Sep 2002 Posts: 42 Thanks: 0 Thanked 0 Times in 0 Posts	Credit report problems through Verizon? That is really strange. My son got his phone from Sprint and he has absolutely no credit. No credit cards,,, no loans,,, nuttin. Good luck getting it straightenend out..

WirelessAdvisor.com

Central US Wireless Forum

Credit report problems through Verizon? in U.S. Wireless Forums [Archive]; "This may be long, but PLEASE read it and help ..."

WirelessAdvisor.com

10-03-2002, 1:38 PM	#6
Jack Join Date: Oct 2001 Location: Ohio Posts: 2,475 Phone(s): Motorola T720 Provider(s): Alltel Devices: Sirius Satellite radio, ipod, laptop, pda Thanks: 0 Thanked 0 Times in 0 Posts	Credit report problems through Verizon? About Sprint- There credit standards are not as high as verizon wireless Jack __________________ Current Plan with alltel 3000 anytime minutes w/nationwide LD $74.95 a month---Waiting not so patiently for the Alltel version of the V710

10-03-2002, 2:43 PM	#7
ComicalMoodyDan Join Date: Dec 2001 Location: Kingsport, TN Posts: 6,084 Phone(s): Blackberry 8520 Provider(s): T-Mobile Devices: T-Mobile @Home Thanks: 0 Thanked 20 Times in 15 Posts	Credit report problems through Verizon? Sprint PCS is known to have the lowest credit standards of the 6 major wireless carriers.

10-03-2002, 6:54 PM	Original Poster #8
mjpd1 Fresh Member Join Date: Oct 2002 Posts: 16 Thanks: 0 Thanked 0 Times in 0 Posts	Credit report problems through Verizon? Well I went back to Verizon tonight and tried again, but got the same response from the people. One guy there said he had something similar happen to him, and it was due to his purchase of a new car. He said 3 months later, everything was fine. I guess they want to see that I'm capable of making my car payments on time or something. SO, I called Sprint, told them NOT to disconnect my phone yet! I'm gonna pay them month-to-month until I get this all sorted out. Which actually is a good thing, cause I really wanted to wait for the Samsung Jupiter (this mystery phone that I can find NO info on!) or something better than the T720. So thanks for all the info guys! I'm gonna go pull my credit report off the web now and make sure no one's stolen my identity or somethin!

10-03-2002, 10:06 PM	#9
roamer1 In Memoriam Join Date: Mar 2002 Location: Sandy Springs, GA Posts: 1,749 Phone(s): Palm Treo 680, Sierra AirCard 860, Moto L2 & L6, Nokia 6015i Provider(s): lots of orange, a little Little Rock blue Devices: way too many :) Thanks: 0 Thanked 0 Times in 0 Posts Images: 2	Credit report problems through Verizon? Per the Fair Credit Reporting Act, you will get a letter in the mail if you are denied service or are asked for a deposit ("adverse action".) It's possible that VZW pulled credit from a credit reporting agency that has incomplete (in this case, "no") info on you. I find my Equifax report is most complete of the Big Three CRAs, Trans Union has most of my accounts, and Experian doesn't know about over half my accounts. (Which of the three CRAs has the most info on you usually depends on where in the country you live -- according to bankers I know, in the South, Equifax is big [I work two blocks from Equifax's HQ in Atlanta!]; in the East, TU is; and in the West, Experian is.) -SC __________________ "Never put off until tomorrow what you can do today. There might be a law against it by that time." -/usr/games/fortune sticking it out at you...

10-03-2002, 10:52 PM	Original Poster #10
mjpd1 Fresh Member Join Date: Oct 2002 Posts: 16 Thanks: 0 Thanked 0 Times in 0 Posts	Credit report problems through Verizon? Ohio uses Equifax, Experian, and Transunion. I personally pulled my credit report off all 3 of these sites tonight, and every single one is accurate and up to date. They even show the inquiries from Verizon from 2 days ago! Every single report is complete and in good standing (even better than I had thought it would be!). So I know SOMEthing's messed up over at VZW. I may take my reports in just to show them and prove myself, but at this point I'm just going to hold off for a month or so anyways, and see what new phones Verizon has up their sleeves for the holiday season...I've had Sprint for this long; I can suffer for another month or two...[img]i/expressions/face-icon-small-smile.gif[/img]

10-04-2002, 9:35 AM	#11
ossidon Fresh Member Join Date: Oct 2002 Posts: 20 Thanks: 0 Thanked 0 Times in 0 Posts	Credit report problems through Verizon? I had exactly the same Kind of problem yesterday with the verizon service. When my credit information was pulled up they said "INSUFFICIENT CREDIT" whereeas I am having platinum cards and the like. I was asked to pay 400 $ as a deposit by Verizon whihc I refused. I pulled up my credit reports from Equifax and it was accurate with a good rating. Hence I wonder wot is wrong with te Verizon System. Kindly let me know aor email me as to what we can do in this kind of a situation. I want Verizon simply because of its coverage and service.

10-04-2002, 6:07 PM	#13
ToTalLyWirELesS Shoulda joined long ago! Join Date: Oct 2002 Posts: 3 Thanks: 0 Thanked 0 Times in 0 Posts	Credit report problems through Verizon? Sprint PCS has EXTREMELY lenient credit policies, whereas Verizon Wireless is MUCH more stringent.

10-05-2002, 10:56 AM	#14
Guest Posts: n/a	Credit report problems through Verizon? try T-Mobile

10-07-2002, 9:57 AM	#15
SprintTechRep Join Date: Jul 2002 Posts: 411 Thanks: 0 Thanked 0 Times in 0 Posts	Credit report problems through Verizon? sprint does have the lowest of credit requirements. Which is not necessarily a good thing. Because sprint gets all the financially undependable customers. Hence why sprint has the highest "churn" rates. Which is a result of people not being able to pay their bills and end up cancelling. And when wireless companies are ranked, sprint loses points for high churn rate.

10-07-2002, 12:51 PM	#16
ZaphodB Signal Go Down De Hole... Join Date: Aug 2002 Location: The Heim of Ana Posts: 3,237 Phone(s): BlackBerry 8830, LG KG800 (GSM Chocolate) Provider(s): Verizon(US) Rogers(CA) Vodafone(ES) 3(HK) Thanks: 0 Thanked 0 Times in 0 Posts	Credit report problems through Verizon? It could be that they pulled the credit report from one of the bureaux that didn't have much on you. (Experian still think I live in Minnesota. Haven't for years and years.) It could be that they put in the wrong SSN. They may not have put in the right information either, which would result in a "sorry, couldn't find anything" error. Find out who they use and pull your own credit just to make sure. Yes, technically you can wait for the letter and get a free report but I just pay the $8.50. I do it once a year anyway just to keep tabs on it, all three (well worth the $25 investment to get the peace of mind - my identity has been stolen twice). You can send them a letter contesting the denial. Also, in CA, they are required to pay you 3% interest on your deposit at the year's anniversary. I suspect operator error on VZW's part. and concur, you should try a different store. __________________ I can help you in English. Puedo ayudarle en español. Je peux vous aider en français. Posso aiutarli in italiano. Ich kann Sie auf Deutsch helfen. Я могу помочь вам по-русски.

Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)

Thread Tools	Search this Thread
Show Printable Version Email this Page	Search this Thread: Advanced Search

10-07-2002, 1:09 PM	Original Poster #17
mjpd1 Fresh Member Join Date: Oct 2002 Posts: 16 Thanks: 0 Thanked 0 Times in 0 Posts	Credit report problems through Verizon? Thanks for the info. I pulled my report from all 3 bureaus and everything looks fine. I'd try a different store, but that's just gonna put even more inquiries on my credit report, which is a bad thing to have. I don't wanna have 3 hits on my credit report from Verizon within a month! I'm just gonna wait it out for a month or so...

10-07-2002, 4:25 PM	#18
WirelessBeachBum Soylent Green is People Join Date: Jul 2002 Location: Hilton Head Island, SC Posts: 2,804 Phone(s): HTC Touch Pro Provider(s): Alltel Wireless Thanks: 5 Thanked 1 Time in 1 Post My Auctions	Credit report problems through Verizon? Most likely if your score came back a zero...I've seen this happen, it is a glitch in the credit system. Sometime's credit software will have glitches, at my last company I could run credit on an indivual and they would come up with a zero, I had an alternative dial-in software program that I could go to and get an accurate report on them...we always knew we had a glitch when it came back a zero. You may want to ask your Verizon rep to call the credit department and do what's called a "manual review" this way a credit specialist can look at your credit report in more detail...other than just a "score". __________________ WirelessBeachBum Follow Me on Twitter Become a fan on Facebook

10-07-2002, 6:39 PM	Original Poster #19
mjpd1 Fresh Member Join Date: Oct 2002 Posts: 16 Thanks: 0 Thanked 0 Times in 0 Posts	Credit report problems through Verizon? yep, I had him call and do a manual review...came back the same! Is there any way to have them try again without it counting as a hit on my credit report?

10-07-2002, 6:52 PM	#20
ComicalMoodyDan Join Date: Dec 2001 Location: Kingsport, TN Posts: 6,084 Phone(s): Blackberry 8520 Provider(s): T-Mobile Devices: T-Mobile @Home Thanks: 0 Thanked 20 Times in 15 Posts	Credit report problems through Verizon? I would just forgot about signing up with Verizon Wireless if I was you. It's too much of a hassle either stick with Sprint PCS or go with somebody else.

11-24-2002, 7:35 PM	#21
corey0876 Posting up a storm! Join Date: Nov 2002 Posts: 4 Thanks: 0 Thanked 0 Times in 0 Posts	Credit report problems through Verizon? Well..i think the Credit check thing is a violation of our privacy!!!!! These carriers want money..but yet they make you pay a deposit to to get one..it's just a monry making skeme!!!

11-25-2002, 11:43 AM	#22
Koss Fresh Member Join Date: Nov 2002 Posts: 12 Thanks: 0 Thanked 0 Times in 0 Posts	Credit report problems through Verizon? E-mail me and I'll try to help you resolve this. I am in the Ohio market.

11-26-2002, 1:46 PM	#23
dallison Join Date: Sep 2002 Posts: 669 Thanks: 0 Thanked 0 Times in 0 Posts	Credit report problems through Verizon? sometimes what i have seen is that when someone buys a new house or vehicle w/in the last few months they sometimes require a deposit. this does not necessarily reflect your credit history accurately..i know when i bought a new truck this past summer and about 2 months later went to apply for store credit to buy furniture i was denied b/c of this

11-26-2002, 1:47 PM	#24
dallison Join Date: Sep 2002 Posts: 669 Thanks: 0 Thanked 0 Times in 0 Posts	Credit report problems through Verizon? if you have never used those cards or have only used them a half dozen or so times and purchased inexpensive items and paid them off right away, you may have minimal credit

11-27-2002, 10:53 AM	#25
GSMFan Fresh Member Join Date: Oct 2002 Posts: 24 Thanks: 0 Thanked 0 Times in 0 Posts	Credit report problems through Verizon? If the T720 is what you want, come to T-Mobile for the T720i and get a free camera too! The credit system sould work for you too!

12-09-2002, 9:13 AM	Original Poster #27
mjpd1 Fresh Member Join Date: Oct 2002 Posts: 16 Thanks: 0 Thanked 0 Times in 0 Posts	Credit report problems through Verizon? Well, here's what I did. I went to Verizon, took my boss with me, got a T720, and he just added me to the company's account. No credit check or anything. I wasn't gonna take the chance of Verizon hitting my credit report a 3rd time, just so they could try and convince me that I have no credit! So I got a phone, I love it, Verizon is MUCH clearer and more stable than Sprint; Thanks for all the info guys! Have a Merry Christmas!

Similar Threads for: Credit report problems through Verizon?
Thread	Thread Starter	Forum	Replies	Last Post
Verizon customers to get $30-$45 credit	DandyDon	Wireless News	6	01-08-2004 6:59 PM
Verizon Credit aproval?	Jason8100	Northeastern US Wireless Forum	7	09-21-2003 11:08 AM
New Kyocera 2235 Verizon FreeUP + $245 credit	DCman	Buy and Sell	0	05-30-2003 7:37 AM
VERIZON CREDIT CHECK	PEEWEENYC	Northeastern US Wireless Forum	6	12-27-2002 6:28 PM
credit problems	skeletal29	Northeastern US Wireless Forum	3	11-15-2002 6:45 PM