Yeah my cell phone didn't come up either when I ran a credit report. I have had the same account for 4 years. I don't think it counts.

silverkorn, do you remember the site you used for the credit report?

 

Some companies report, others don't. My company will not create a trade unless you go delinquent. As far as high Empirica scores...payment is almost everything. People with one cell phone sometimes end up with 700+ scores. Don't ask me why. Whoever created the system was obviously on mescalin or something. Go credit!

 

Cell Phone Companies that DON'T report : Sprint and possibly Qwest

Cell Phone Companies that DO report: Voicestream, AT&T, Verizon

 

Finance companies also look at what the largest amount you have ever financed and how long you have been making payments, or if you have credit cards, what is the credit limit and how much of that credit limit you have charged up and paid off. Foe example, if you have a Discover card with a 10k limit, however the maximum you have ever charged the LOC to is a lower amount like 4k, then the 4k is the actual amount financed not the limit of 10k.

Just another example of what banks look at.

 

Strange. My cell phone record didn't come up on the report. I have Verizon. I opened the account back when it was Bell Atlantic.

 

I have att cell phone, and it even went delinquent due to a billing miscommunication, and it didnt show up in my report (thank god!)

I was shocked to see such a good credit score... I was expecting like 100 or so...

maybe i can get some good financing when the evo rolls in

 

Hey does anyone know what kind of lease rates these cars have on say a 48month lease with 2000 down 12000miles per year. Calculating a loan for the car is very easy. However a lease is very difficult since the loan amount is determined by subtracting the estimated value of the car at the end of the leasefrom the MSRP. So if the car is worth 15000 after 48months than I just need a loan for the other 15000 plus interest.since im giving 2 thousand down thatll probly go toward tax licencing and ****.
so that leaves me at approx. 315 per month, right?

 

The Bell Atlantic issue is probably the reason why.

It's funny 'cause Sprint doesn't report the good stuff....only the bad. And the VAST majority of people who get Sprint at our stores are those who either A) have bad credit B) have no credit.....so they have no opportunity to repair the damage.

 

www.freecreditreport.com
they make you sign up, but once you get your free report quit the service or they charge you $70 a month for their service

as for my cell phone, mine is Verizon too. and when i got the credit report it didnt say anything about a cell phone on there.

 

weirdness....I'd give 'em a call. Everyone I've dealt with here in MN has said that Verizon DOES....including our Verizon rep.

 

Do u guys have any info about Cingular?So far nobody mentioned it,so I figured that ,they DONT report(I hope).....

 

Have had 2 visas (one platinum), one plat. mastercard, and $500/mo car payment, $100/mo cell payment and all KINDS of other things for over 3 years w/ no late or missed payments whatsoever, but still not on 'honor system' for credit rating because I still just don't have enough history. History is key and it takes a long freakin' time, I tell ya.

 

Don't know.... they aren't in my market...