Credit Check Process at T-Mobile
T-Mobile performs a hard credit check to ensure you’ll pay your monthly bill and determine if a security deposit is required. The credit check takes less than a week, with most completed in a few days. T-Mobile uses TransUnion to run credit checks.
Credit Score Requirements for T-Mobile
T-Mobile wants to verify you’ll pay for your phone if you get a device payment plan. With decent credit, your deposit will be higher than with excellent credit.
Getting T-Mobile with Bad Credit
You can improve your chances of getting T-Mobile with bad credit by opting for prepaid plans or providing a larger down payment for device financing.
Why Do Cell Phone Companies Check Credit?
The cell phone companies pull your credit to estimate your likelihood of paying your bill on time each month. Having bad credit will hurt you.
Deposit Requirement at T-Mobile
Qualified T-Mobile wireless customers must deposit $200 into their T-Mobile MONEY Checking Account within a single month to enable Got Your Back.
Understanding Credit Score Requirements for Phone Financing
Mobile phone companies typically consider bad credit any credit score that is lower than 600. Thus, you may face some problems while trying to get a new cell phone or a mobile plan with such a credit score.