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How to plan phone lease

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Helton is with us in Grand Forks North Dakota hey Kelton how are you Im doing well thank you for taking my call sure whats up so my wife and I just recently got married in July congratulations thank you and you just left our parents cellphone plans and got onto our own plan and what we found out with Verizon one of the new things that theyve introduced is with a two-year contract if you pay for your phone in full upfront then every month you have an extra $20 charge but if you do their payment plan and you basically lease the phone over the teachers and you dont have to pay that extra $20 charge I think you got that is you know what theres a random $20 charge for paying cash for your phone with Verizon yeah Im pretty sure I dont pay that dude I have a verizon account with I dont know one hundred and fifty two hundred phones on it and pretty sure Im not paying twenty bucks a phone and we pay cash for them I think you need to revisit I think you need to revisit your information

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Got questions?

Below are some common questions from our customers that may provide you with the answer you're looking for. If you can't find an answer to your question, please don't hesitate to reach out to us.

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What credit score does ATT require?

While 550 is a fair credit score that you can apply with, it doesnt mean that you will also be accepted. From various users that left reviews on forums, for an ATT plan, youll have to make a deposit first if your credit score is less than 600.

Does leasing a phone build credit?

Phone bills for service and usage are not usually reported to major credit bureaus, so you wont build credit when paying these month to month. However, through certain credit monitoring services, you can manually add up to 24 months of payment history to your report.

What credit score do you need for SmartPay?

SmartPay is a no-credit-required lease-to-own product. No credit required means that, although no minimum FICO score or established credit history is necessary to apply, SmartPay may check past payment history based on the information you provide in the application.

Does T-Mobile require a down payment?

Just pay your bill on time for 12 months to qualify for our best lease pricing on new phones and tabletsthat means no down payment. Qualifying plan required.

Does SmartPay do credit checks?

Do you perform a credit check? We only perform a credit check if you provide written instruction to SmartPay to obtain information from your personal consumer report or other from third-party sources.

Are T-Mobile phones leased?

On Demand (JOD) is an 18-month lease agreement that lets you sign a new lease and change your leased device once every 30 days. Since this is a lease and you arent buying the phone, the monthly payments are reduced. You can buy the phone for the full retail price later or keep upgrading!

What do you need for SmartPay?

You can only use your own personal and financial information to apply for a SmartPay lease. Also, the personal information on your application must match the name on your debit card.

Do you need good credit to lease an iPhone?

Youll generally need a credit score of at least 600 to qualify for iPhone financing. This requirement could be different for other carriers, though, and you could be approved if there are other factors that compensate for the lower score.

Why did I get denied for SmartPay?

Please be aware that attempting to make too many purchases in a short amount of time may result in being rejected more easily. Different factors, such as missed or delayed payments can lead to Smartpay preventing you from making additional orders.

What happens if you lease a phone and dont pay?

Your mobile provider could cut your phone off so youre unable to make or receive calls. If you dont take steps to deal with the debt, your account will default and the contract will be cancelled. The mobile provider can then take action to recover the outstanding bill, following the normal debt collection process.

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