Leaked internal T-Mobile documents show that it will make a change to how it computes subscribers' credit limits.
, the nation's second-largest wireless carrier is about to make a change in how it figures out subscribers' credit limits. Instead of using"credit classes" to group subscribers' creditworthiness, it will compute credit limits on an individualized basis which allows them to be considered"well-qualified" for the best deals on devices based on their"positive credit history with T-Mobile.
This will allow a customer's credit line to be raised, lowered, or stay the same depending on his/her history of paying T-Mobile invoices on time. Six months after an account is first activated, an account will be evaluated based on payment history. If you pay on time each month, you might find your T-Mobile credit limit rising and be asked for lower down payments on new devices.
After that first evaluation, T-Mobile will take a look at your account from time to time. The changes will take place starting on June 21st according to the leaked documents. The system it replaces is less flexible as it places a customer in a credit classification without giving him the chance to improve his credit standing by paying his invoices on time. After an account is activated, all of the credit checks, including the one that will take place six months after activation, are not made by requesting a score from credit reporting firms like Experian or TransUnion.
The bottom line is that this is a good thing for customers since it gives them an opportunity to hike their credit limit and get better deals on devices by paying their bills on time.
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