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honeybuunnns's profile

Contributor

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2 Messages

Friday, April 17th, 2015 4:43 AM

Why did I receive this letter?

Hello! Just a few days ago I decided to switch from pre-paid to post paid. I am 20 and opened my first credit card about 6-7 months ago. I have been sure to pay the balance in full each month. I have checked 2 of 3 of my credit reports (TransUnion and Experian) and checked to make sure I have no collections and keep track of inquries. I only have four total inquires, one of which is going to drop off on 5/03/2015, with the most recent one being in November of 2014 and no collections. I am not able to access Equifax at this moment.

 

When I went to my local AT&T store, I told the rep I had limited credit history. He punched in all my information and to my surprise, I did not have to pay a deposit. I walked away with a nice, new gold and white iPhone 6 and a sense of accomplishment.

 

Fast forward to tonight, I come home from work and have recieved a letter stating that my AT&T credit score was 813. Apparently, AT&T accessed Equifax when doing my credit check. At the bottom of the letter it says "Based in part on an assessment of your credit history, we imposed certain conditions of restrictions on your service request, which may have included limiting and/or denying the purchase of products and/or services, or requiring a deposit or advance payment."

 

 

I don't understand what this means for me / my account with AT&T nor do I understand why, if certain conditons have been imposed on my ability to request further services from AT&T, why they would not be stated in the letter. Any clairifcation would be great, as I'm looking make a big purchase at the end of May and don't want to find any surprises concerning my credit.

Community Support

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15.2K Messages

9 years ago

Hi there @honeybuunnns

 

I’d be happy to help with an explanation for the letter you received. This line will be referencing the assessment of your credit report. Essentially, what it is stating is that additional lines may require a deposit, or may not be approved. When a credit check is performed, it is determined how many lines can be opened on your account at that time, how many installment plans can be opened, or if any security deposits are required. Of course, the results may change by the end of May as your AT&T and general credit change.

 

I hope this helps!

Charise

Contributor

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2 Messages

9 years ago

Ah, that makes much more sense. Thank you so much! I was worrying for nothing.

Contributor

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1 Message

9 years ago

I had AT&T for over 10 yrs now.  Added my daughter & son-in-law about 5 yrs ago since their bill was too high.  We were splitting the bill.  Then I got to the point where asking for the funds every month became a hassel and then came the 900.00 new phone charge with monthly payments.  Didn't know what to do since no one was helping me.  So decided to start another plan in hubby's name just for us.  And I will pay the final bill when it arrives.  They said everything was fine and phone's were transferred.

He got the same letter today.  They said just the opposite to us.  Everything was great, score was excellent and we can add up to 10 lines.  Very strange responses from the same letter for sure.

I do believe once you make a few payments, you will be able to do what you wish.  If they have no score from previous cell phone usage, they must go off of your credit.  And they are strict.  And it is a hard pull from Equifax.

It was a pain but our bill dropped from almost 400.00 per month down to 100.00 plus taxes!

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