Verizon credit check for full price purchase

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Battery111
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Verizon credit check for full price purchase

Postby Battery111 » Fri Sep 25, 2015 12:48 pm

Ok, I'll admit it. I'm one of "those" people who buy a new iPhone every year. I just switched two weeks ago to Verizon due to their new plans finally being tempting enough to get me to let go of my AT&T unlimited data plan. Since I was establishing a new account with Verizon they required an HP. I don't necessarily feel this is necessary, but I can let it slide.

Fast forward to today. I went to the Verizon store to buy the new iPhone 6s. I inform the rep that I just want to pay full price for the phone, I am not interested in financing it or a reduced price in exchange for a two year commitment. She informs me she's not sure they can do that. I tell her it's ridiculous I should be forced to make payments on something rather than pay full price. She checks, and finds out that I can indeed have the privilege of paying full price, but that their system requires credit verification for all upgrades.

I of course ask why this is. I'm not trying to finance anything, Verizon is incurring no risk because I'm paying full price for the phone. Even if I have a 400 credit score what difference does that make to them since I'm paying full price. I'm informed that's just the way their system is set up. I point out how absurd this is. I ask were I to buy a case, would I be subject to credit verification. I'm told of course not, it's different for accessories. I then point out there should be no difference because, again, I'm paying full price. This is a simple merchandise for money transaction. They won't budge. The manager seems sympathetic but really I can tell his hands are tied. Eventually after them making numerous calls I'm assured that while they need to ask me some verification questions, it is solely to confirm my identity. Apparently the state issued photo ID I already showed them is not enough to mitigate their risk. After specifically stating I do not authorize any credit inquiries I finally gave in and answered the verification questions and was permitted the privilege of paying full price for merchandise.

Now some may think I'm being unreasonable here. But I really think we've become desensitized to people verifying our credit. There is seriously zero reason for this transaction any sort of credit verification was necessary. If my identity was in doubt I had two forms of photo ID on me and could have run home and grabbed my passport were it absolutely necessary for further proof I am who I say I am. I may not have considered it so outrageous were it not for the fact I've bought numerous phones while man AT&T and never endured this rigmarole. Additionally the apple website itself blocked me from ordering a full price phone for Verizon due to the need for credit verification.

Am I really that out of line thinking this is a bit absurd?
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Vermonster
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Re: Verizon credit check for pull price purchase

Postby Vermonster » Fri Sep 25, 2015 4:28 pm

Not at all. Verizon can get every single piece if info they need from a soft pull. There is absolutely nothing needed in a HP for a full price purchase. I think the hiccup is that 99.99999% of people do not upgrade to the latest and greatest by paying full price. So a policy of "credit check for all upgrades" is normally appropriate.
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Battery111
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Re: Verizon credit check for pull price purchase

Postby Battery111 » Fri Sep 25, 2015 8:20 pm

To be fair, they never said specifically it would be a hard pull. I just don't know why any credit check whatsoever should be necessary. It's a straight across sale. I get what you mean about it maybe being a less common situation, but it shouldn't take more than a second for anyone to realize "hey, this doesn't make sense. If I don't have the power to circumvent the policy, I should find someone who does" rather than just blindly repeat "that's just how the system is set up".

Let's pretend for a moment I'm NOT who I say I am. They've still simply conducted an exchange of merchandise for money. It's not like I was having them bill the phone to my account.
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Re: Verizon credit check for pull price purchase

Postby Vermonster » Fri Sep 25, 2015 9:17 pm

Battery111 wrote:To be fair, they never said specifically it would be a hard pull. I just don't know why any credit check whatsoever should be necessary. It's a straight across sale. I get what you mean about it maybe being a less common situation, but it shouldn't take more than a second for anyone to realize "hey, this doesn't make sense. If I don't have the power to circumvent the policy, I should find someone who does" rather than just blindly repeat "that's just how the system is set up".

Let's pretend for a moment I'm NOT who I say I am. They've still simply conducted an exchange of merchandise for money. It's not like I was having them bill the phone to my account.


True. I guess it could be due to the high price of the phone and the likelihood of someone using a stolen card to purchase it. But as you said, simply showing 2 forms of ID along with the card should prove almost anything.
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lobbythis
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Re: Verizon credit check for pull price purchase

Postby lobbythis » Sat Sep 26, 2015 1:31 am

I worked in this industry for 3 years and it has become so incredibly shady in the past decade that it blows my mind people just accept it. I've tried to purchase phones from AT&T and Verizon this past year and they refuse to sell them out right without getting all of my information. These procedures are being handed down from corporate as retail is literally bottom of the totem pole in these companies and they have no power to do otherwise, regardless of how asinine the situation. I only buy my phones out of contract and have been on prepaid services for the past 6 years. No one has my information other than the credit card I pay with and I just buy all of my phones out of contract either directly from the manufacture or Best Buy.

There is no workaround if you are purchasing from one of the carriers. They will literally tell you to go f*ck yourself if you do not let them put your information on file.

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Re: Verizon credit check for pull price purchase

Postby Battery111 » Sat Sep 26, 2015 5:14 am

This is the first time since I originally signed up for AT&T that I've bought a phone from the carrier store. I usually pre-order on the Apple Store online and it's been no issue. This time though apple referred me to Verizon even with having selected the full price option.

In the past couple years with tmobile becoming an official apple option, I've simply selected that model since it comes unlocked, popped out the tmobile sim, and put in my att sim. No issues. And my tmobile iPhone 6 works fine on Verizon, since that's what I brought with me when I switched. The thing that made me reluctant to do the same thing again was some conflicting info regarding the different models of the 6s and whether the tmobile version was actually the same as the Verizon version as it was for the 6.

All of this is exacerbated by the fact I have neither and Apple Store or Best buy in the town I currently live.

I kind of reject the argument of the high price, although I'm sure that's likely an argument net "they" would make to support their policy. I've never had this issue when I buy, say, a computer that costs much more than a phone. Or even an iPad. And I've bought expensive watches before with nothing more than my American express and a drivers license.
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lobbythis
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Re: Verizon credit check for pull price purchase

Postby lobbythis » Sat Sep 26, 2015 10:40 am

Battery111 wrote:The thing that made me reluctant to do the same thing again was some conflicting info regarding the different models of the 6s and whether the tmobile version was actually the same as the Verizon version as it was for the 6.




The issue there is the voice bands still running on CDMA. A Verizon iPhone is unlocked and can run on all carriers since it has the CDMA chip and LTE chip. The unlocked and GSM variants will all work on every carrier's LTE networks, but they will not work on the CDMA voice bands. Once everyone finally converts to VoLTE, this issue will no longer exist. Until then, it's just a clusterf*ck of confusion for people trying to move phones around.


Why Apple made you go to Verizon is beyond me. But, the carriers are not going to let you buy phones out of contract unless you already have an account with them. I tried to buy a Galaxy S6 for my friend for his birthday and we both use Tracfone prepaid which runs on AT&T. I knew AT&T was going to harass us, but I figured I would try one last time since it was cheaper than buying from Best Buy and I didn't have time to order from Samsung or another reseller online. Told them I had $700 and just need a new S6. They immediately wanted our information and I said no, we do not have A&T plans/accounts, we just need the phone. They refused and I asked for the manager who told me the same thing. I asked them where is the logic in this situation and they all looked at me like an idiot, completely dumbfounded as to why I don't need one of their stupid contracts. I told them I will just go to Best Buy where the phone is $150 MORE than their price and they still did not care. I do not know how much they have to purchase their products from the manufacturer for and I realize the majority of their profits comes from the service and not necessarily the devices, but all of these carriers used to let you purchase phones out of contract all the time just years ago. When I worked in retail, I sold a ton of phones out of contract to people. Now, all of a sudden, it's absolute blasphemy. That was the last time I will every step foot in a carrier's store again.

Battery111
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Re: Verizon credit check for pull price purchase

Postby Battery111 » Sat Sep 26, 2015 6:02 pm

Thing is, I did already have an account with Verizon. Realize the timeline is a bit confusing. I actually switched over a few weeks ago, and have been using my T-Mobile iPhone 6 successfully on Verizon since. I just found some info to suggest that the 6s had a different model for GSM and CDMA. I know the sprint version has always been its own model, since they use some oddball lte bands. I believe this is because they were late to the lte game, first trying to push WiMAX as their 4g standard.

I'll deal with a HP for a new account. I don't like it, but I'll deal with it. However, I have a tel problem with either an HP or even am SP for purchasing a new phone at full price. I don't care about the SP because I'm worried about it affecting my credit. I know it won't. Just a matter of principal because there is zero reason it should be necessary.
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lobbythis
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Re: Verizon credit check for pull price purchase

Postby lobbythis » Sat Sep 26, 2015 6:54 pm

Battery111 wrote:Thing is, I did already have an account with Verizon. Realize the timeline is a bit confusing. I actually switched over a few weeks ago, and have been using my T-Mobile iPhone 6 successfully on Verizon since. I just found some info to suggest that the 6s had a different model for GSM and CDMA. I know the sprint version has always been its own model, since they use some oddball lte bands. I believe this is because they were late to the lte game, first trying to push WiMAX as their 4g standard.

I'll deal with a HP for a new account. I don't like it, but I'll deal with it. However, I have a tel problem with either an HP or even am SP for purchasing a new phone at full price. I don't care about the SP because I'm worried about it affecting my credit. I know it won't. Just a matter of principal because there is zero reason it should be necessary.


You have the T-mob version from Apple and it can make calls on CDMA?

Have you tried another Verizon store to see if they also want to pull credit for no reason? Tell them Best Buy will sell carrier branded phones out of contract with no credit pull, so why can't they? I bought the AT&T Galaxy S6 with no issues at all. What store wouldn't want to sell an $800 product in all of about 2-3 minutes?

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Re: Verizon credit check for full price purchase

Postby Battery111 » Sun Sep 27, 2015 5:58 am

Correct. I had the tmobile iPhone 6 and it was fully functional on Verizon. For the iPhone 6 they were the same model; the only US carrier with a different model was sprint. I eventually gave in and purchased the 6s from that Verizon store after getting assurances there would be no HP. When my CK refreshes in a couple days I'll of course be making sure.
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