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When you terminate your agreement early, does your credit score take a hit?
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Addicted to MacNN
Join Date: Dec 1999
Location: Tampa, Florida
Status:
Offline
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If someone gets an iPhone 4 and sells it for a profit, including the $$$ to recoup the ETF, would her credit report see a bad mark?
Is AT&T going to charge for the second month of service? Will they pro-rate the first month if not used completely?
Would she be banned from getting ATT services again?
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Clinically Insane
Join Date: Oct 2000
Location: Los Angeles
Status:
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As long as you pay the ETF and whatever other fees exist on the account on time as they require, they have no reason or excuse to ding your credit, AFAIK. The only way to get a negative item on your credit report is to fail to make agreed payments. As far as your other questions go about second month billing and prorating, I wouldn't know.
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"The natural progress of things is for liberty to yield and government to gain ground." TJ
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Moderator  Join Date: Jan 2001
Location: Atlanta, GA
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Offline
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You're fulfilling the terms of your contract by paying the ETF - there would be no reason to have that impact your credit rating.
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Banned
Join Date: Jun 2010
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I doubt that it could effect your credit score... However CC companies are sheisters so it is very well possible.
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Mac Elite
Join Date: Dec 1999
Location: Utah
Status:
Offline
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I was getting all ready to mock you, but as I started typing I realized this was actually a good question...
Cheers.
Also you've been around as long as I have, so props...
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Work: 2008 8x3.2 MacPro, 8800GT, 16GB ram, zillions of HDs. (video editing)
Home: 2008 24" 2.8 iMac, 2TB Int, 4GB ram.
Road: 2009 13" 2.26 Macbook Pro, 8GB ram & 640GB WD blue internal
Retired to BOINC only: My trusty never-gonna-die 12" iBook G4 1.25
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Grizzled Veteran
Join Date: Oct 2008
Location: UKland
Status:
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IN the UK terminating your agreement early certainly DOES impact your credit rating. Although you are fulfilling the terms of the agreement since the early termination clause is actually written into the document, in credit terms companies here regard it as a breach of those same terms and do indeed hit you up for it.
Persistently ending credit agreements early can lead to credit being refused. Credit Co's hate it as they make less than planned from you.
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Mac Elite
Join Date: Apr 2000
Location: Denville, NJ.
Status:
Offline
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In the US your credit score absolutely DOES NOT take a hit, so long as you pay the ETF on time. Its actually legal grounds fora lawsuit if it does effect your credit.
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