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RANT: Verizon Data options

coreymcl

Well-Known Member
Oct 14, 2009
166
18
DFW
I know this is a rant but WOW Verizon can you make yourself any harder to do business with? Let me explain what I mean. I am currently a long time ATT wireless customer so I do not have an account with Verizon. Late last week I won a XOOM and was exploring activating the Verizon data service.

However I wanted a service plan like ATT offers on the iPad, which is to allow me to open an account and pay with my credit card so no credit check is needed. The reason for this is we are building a new house and were told NOT to open any new credit accounts.

From the reports I've read online Verizon plans to offer the same pre-pay service plans when the iPad comes to Verizon later this week.

So why do they not allow the same service plans for the Xoom. What difference does it make what device I'm using?

Hopefully they will be changing the plan options when the iPad launches and the Xoom will also get the same service plans/flexibility on account setup. Otherwise I'll have to wait 4 more months before I can get it.

OK I'm off my soapbox now.
 
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Just get a the $20 a month mobile hot-spot service coming out on iOS 4.3 (assuming you do have an iPhone 4.) You can use any wi-fi device on it.

Verizon asked for SSN to activate a DSL line which I wasn't crazy about. They already have my SSN on file though from my pre-iPhone cell phone days.

Or, the hotspot feature on any Android device. Does the same thing.
 
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I'm not really sure if this is on or off topic based on your original rant. I'm unsure whether you were complaining about the credit check or questioning data options.

My response will be structured toward the first concern. My advice.... suck it up and get the credit check. I've been a loan officer for the past 6.5 years and your concern about the check is unfounded. Credit checks will ding you for about 5 points a pull for a maximum of 60 total points (trust me I've worked with the guy that designed the model for Fair Isaac). This is based on the FICO model that uses a 850 maximum. The pull in the grand scheme of things means very little.

Also, if the concern is in regard to your DTI (debt to income)for signing a contract don't be. Verizon does not report to the credit agencies so it will not have an effect on your qualifying (unless you don't pay your bill and go to collections). The only things reporting to your credit which are counted toward DTI are credit cards, car loans, student loans, home loans and other types of installment and revolving debt.

Long story short, suck it up, get the check done and active the Zoom. Only way you'll have any issue is if your credit is bad. If thats the case you don't need to worry about buying a home anyways.
 
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