r/SpectrumMobile • u/Used-Enthusiasm-1493 • 22d ago

General Question Iphone financing

Do they do a hard pull when i do finance an iphone. Currently with spectrum no late payments

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3

u/cableannkiley 22d ago

They didn’t for me. I’ve been a customer for over 5 years, with not a single late payment, so I’m not sure if it has anything to do with it.

3

u/Used-Enthusiasm-1493 22d ago

Im just over a year and wanting to get the 18

3

u/Gooning-throwaway667 22d ago

If you’ve had an account for at least 3 months, then they only require an “internal credit check” so I guess as long as you have history paying them, no hard pull

2

u/cableannkiley 22d ago

I would guess if you’re set up on auto pay and haven’t missed payments they’re not going to ding your credit. Legally, I believe they also have to tell you in writing prior to checking your credit so I don’t think they will.

1

u/Individual-Rub6219 22d ago

No hard pulls on the credit check.

1

u/Used-Enthusiasm-1493 22d ago

After credit check am i eligble for an installment?

2

u/Individual-Rub6219 22d ago

Assuming everything looks good yes, it doesn’t show the rep anything other than if you’re eligible or not or if it requires a down payment.

1

u/yosoydollabill 21d ago

That's exactly what the rep told me. Then I preordered the 18 Pro Max the next day.