Do I need credit to buy an IPhone 7 in down payments?
I'm 15 years old and I would really like to buy an iPhone 7 but I'm not sure if I need credit. I initially have to pay about $30 at BestBuy and pay about $25 each month for 24 months. This can be with T-Mobile, AT&T, etc. I just don't know if I need credit to be able to do this and wether it depends with what phone service company I chose. Any help will be appreciated and suggestions to which phone company to chose.
Yes you do need credit. And you can't sign a legal contract until you're 18. They'll ask for your SSN to run a credit check. Since you are underage, it won't work.
ALL carriers that offer financing will require a credit check if you want to finance the phone.
You can however pay in full for the phone and they won't do a credit check, but it is very expensive.
If you really want it on a financing agreement, you'll need a parent or guardian to take out the phone on their name.
You will be unable to buy the phone, you are not 18 and can't sign a legal contract (unless you are emancipated) for the credit or the service. The only phone you can buy is one you have to pay in full and use per minute type of pre-paid phone use.
Here is an example.
http://www.nolo.com/...28201.html
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