New GirlWe don’t often find ourselves taking money advice from primetime television, but a recent episode of FOX sitcom “New Girl” should be required viewing for anyone looking to buy a new cell phone.

In it, Zooey Deschanel’s character, Jess, helps her roommate, Nick, pick out a new cell phone. When the store runs a routine credit check and turns up a comically low score of 250, everyone comes out to gawk.

“I’ve just never seen a score this low,” a worker says. “Did you just wake up from a coma?”

He hasn’t: Nick’s score is so low that in the end, he winds up walking off without a phone at all.

That led us to wonder: How much does your credit score factor into your shot at getting a cell phone? We contacted three of the largest mobile providers in the U.S. AT&T, Verizon and Sprint to find out. After hearing back from two of them (AT&T hadn’t responded at press time), we have some answers.

The good news is a less-than-stellar score won’t edge you out of the cell phone club entirely, but in order for providers to take a gamble on risky customers, they’ll often charge security deposits upfront.

“We will deny based on issues of identity verification, but we do not deny because of a credit score,” a Sprint spokesperson said in an email. But a “lower credit score would result in a higher deposit request.”

No provider publicizes their deposit rates, but to give you an idea, an AT&T message board features a complaint from a customer who was asked to pay $500 per line for a new contract.

Here’s how Sprint handles their credit checks, according to the spokesperson:

“When somebody applies for credit for postpaid service, we will first check to see if the customer has an existing unpaid bill with Sprint. If not, we proceed toward pulling a credit bureau report on the individual, which we run through a credit scoring model. The resulting score (based on the credit bureau) will impact the credit offer we give a customer (deposit/no deposit, number of lines, spending limit/no spending limit).”

If this happens to you, contact LMF Credit. We are a non profit credit repair company that can help you restore your credit.

– Mandi Woodruff April 02, 2012

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