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I'm a freshmen in college so I don't have any credit at all. So if I want to go buy an iphone with either at&t or verizon are they going to credit check me? If they do, I have no credit so what happens?

asked Apr 23 '11 at 14:31

Gary's gravatar image


you may have to go for a pay as you go or pay as you talk and buy the iphone at once. You might not be old enough to get credit.

answered Apr 23 '11 at 14:44

Ashley%20Cardwell's gravatar image

Ashley Cardwell

I would think buying the phone outright would avoid a credit check. Might have to skip a few meals along the way!

answered Apr 23 '11 at 14:50

Jonesm's gravatar image


I have the money... I would just be using my debit card aka visa card.

answered Apr 23 '11 at 21:09

Gary's gravatar image


If you buy a phone out right you don't need to do anything.

If it is contract. You don't have any credit card and I hope you don't own any money to a bank. But contract does look at your credit rating.

answered Apr 23 '11 at 21:11

Jackster1337's gravatar image


PS, Every one has credit. But it is very low if you don't have any contracts and stuff.

(Apr 23 '11 at 21:13) Jackster1337 Jackster1337's gravatar image

Yea I need to get a 2 year contract if I get an iphone. I don't owe any bank or anything money. I have money in the bank but I don't have any credit...

answered Apr 24 '11 at 13:08

Gary's gravatar image


Yes, AT&T and Verizon do credit checks if you are looking for service with them. The deposit that you owe is based on your credit score, but if it is high enough, you pay nothing.

answered Apr 24 '11 at 15:02

Josh_M's gravatar image


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Asked: Apr 23 '11 at 14:31

Seen: 11,608 times

Last updated: Apr 24 '11 at 15:02