T-Mobile is one of the largest telecommunications service providers in the United States. However, many avoid switching to T-Mobile because they think the company reports to credit bureaus about user accounts.
But does T-Mobile share the consumers’ data with credit bureaus? The obvious answer to this question is “Yes”. Like other network operators, T-mobile also checks their client’s credit scores and history. However, the company only does this to the individual who has a criminal record.
Were you forced to close your bank account for late debt payments? T-Mobile will report it to the credit bureaus in such instances. The company refuses to offer telecommunication services to people with bad credit scores.
Hence, you must have a good credit score to switch to T-Mobile from Verizon or another network service provider. Don’t you want T-Mobile to submit any credit report to any debt agencies? You must know how to prevent this telecommunication company from checking your credit score and history.
Let’s check why T-Mobile report to credit bureaus and how to stop them:
Reasons why T-Mobile Reports to Credit Bureaus
T-Mobile checks their client’s credit history and scores to know their credit status. Late or missing debt payments affect a debtor’s credit score. Hence, reputed telecommunication companies like T-Mobile verify these details.
If you fail to make the monthly payments, it will be recorded on your credit history. T-Mobile only reports about clients whose debts were written off because they were unable to repay them. This is not the only instance when T-Mobile will send your credit report to the credit bureaus.
There is another instance when they report to credit bureaus. Do you have debt in a collection? It means your creditor is trying to collect the debts with the help of a third-party person or agency. Mortgages, credit cards, auto debt and student loans are collected this way. T-Mobile will report this debt collection to authorised agencies.
Thus, you just make the monthly debt payment on time if you have switched to T-Mobile. It will help you to stop credit bureaus from contacting or harassing you continuously. Furthermore, you can also improve your credit score with timely loan payments.
Which Credit Bureaus T-Mobile Share their Client’s Credit Score & History?
Most people search for this answer of which credit bureau T-Mobile reports their client’s credit ratings. Do they send the credit reports about the T-Mobile users to one or different agencies? Well, this telecommunication company reports to only 1 credit bureau and that is – Equifax.
Equifax Inc. is a multinational consumer credit reporting company which is located in Atlanta. They check the T-Mobile users’ credit history using social security numbers and other identification details. Equifax then provides the credit details to lenders and creditors to determine whether you can take further loans.
Some users claimed that T-Mobile uses other credit bureaus apart from Equifax. However, the company hasn’t yet revealed anything about it. They didn’t share which credit agencies they use, and they stated that they use leading bureaus. So, it can be assumed that T-Mobile might use top credit reporting agencies like Experian, Innovis or TransUnion.
Xtrium tried to contact T-Mobile to find out which credit bureaus they use. They said that they sometimes use more than one agency due to breaches. Regional law and debt payment-related changes are other reasons why the company takes help from other credit bureaus except for Equifax.
Is It Important to Have a Good Credit History when Using T-Mobile?
Most consumers think that it is essential to have a good credit history when using T-Mobile. Well, T-Mobile functions like other mobile network operators. They will check your credit ratings to know whether you can pay for the monthly mobile plans.
If you have a poor credit score, T-Mobile thinks that you can’t afford the mobile bills. Hence, you must have a good credit rating to use T-Mobile. So, try to improve your credit score if you want to switch to T-Mobile from other mobile network operators.
How to Stop T-Mobile from Reporting Your Credit Rating to Authorised Agencies:
Many people have started looking for T-mobile service alternatives to stop credit agencies from checking their credit ratings. However, this is not the best solution, as reliable mobile network operators like AT&T and Verizon also report to credit bureaus.
Hence, improving your credit score is the only way to stop telecommunication service providers like T-Mobile from reporting to authorised agencies. Here is what you must do before switching to T-mobile and avoid getting calls and unwanted visitors from credit bureaus:
1. Look for Credit Account-related Errors
Did T-Mobile report to an authorised credit agency even when you have a good credit score? Consider checking your credit report and go through the details like your account number, name, phone number and address.
There is a high chance that the financial institution has mixed up your credit report with someone who has a similar name. They can also report a closed account to be opened and add incorrect debt repayment dates.
Sometimes, your credit report might display incorrect credit limits and account balances. Hence, we suggest reviewing your credit report, identifying the errors as soon as possible and taking immediate action.
Contact the credit bureau if you find any error in the credit report and request a correction. You will get step-by-step instructions on the credit agencies’ sites on how to file a dispute.
How to Rectify the Credit Report Errors?
Credit companies like Equifax and Transunion let you request a correction online and through phone or mail. Thus, inform them about the mistake they have made in your credit report. Present the necessary documents that prove your claim to the credit reporting company.
Contact the T-Mobile service representatives if they provide incorrect information about you. Additionally, you must inform the credit bureau that T-Mobile has provided misinformation about your credit report. They will review your credit report and stop calling or sending letters to you to collect debts.
2. Clear All the Unpaid Bills
T-Mobile reports about missing or late payments to the credit bureaus. Hence, you must pay all the unpaid bills on time to stop them from contacting you. Open your mobile devices and access the T-Mobile app.
Check if you have paid the previous and current month’s mobile and cellular data plans. If not, consider paying them immediately with your credit card. Additionally, you must check your credit card’s billing cycle.
Navigate to the “Due Date” section in your monthly credit card statement. You will find this option on the first page of your credit card statement. Pay this month’s credit card bill from your phone with a stable Wi-Fi or cellular connection. You can’t use a credit card or use T-Mobile services without clearing the monthly bills.
Can You Stop T-Mobile Collection Agency from Checking Your Credit Report?
Most people don’t know that they can stop the T-Mobile collection agency from checking their credit history. Dial 855-577-2276 from your smartphone and state the reason why you don’t want the agency to view your credit ratings.
They will stop checking your report if the reason is valid enough. Telecommunication companies like T-Mobile don’t report to credit bureaus if any information about your account is incorrect or isn’t fixed within a month or more. Improve your credit score by 30+ points by removing the T-Mobile collection agency from your credit report.