Less than ideal credit, what happens in sign-up?

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What happens when a person doesn't do well in the credit check when signing up? How do they handle that? I had good credit but went through a couple of years of serious illness and surgery. It damaged my credit badly and I've had to rebuild. I want to sign up for a koodo plan but don't know what happens in this case.
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Sammi Daugh

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Posted 4 years ago

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Paul Deschamps, Mobile Master

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You'll have to go and see but they might just put you on a spending limit which basically just makes it so you can't run your bills sky high. I think it's $200 and after awhile of good payment history you can get taken off of it.
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Jonathan I, Mobile Master

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One of these things will happen:

1. Approved for Tab without cap. Hooray!

2. Approved for Tab but with spending limit. Restrictions are: only one line on the account and I'm not sure if you can do a Tab redemption beyond what you were approved for. Like Paul said, it falls off after 9 consecutive good payments.

3. Approved but with cap and No Tab: this is less than ideal but basically Koodo says yes to your service but you will have to pay for a phone outright or go SIM-only/BYOD. In addition to only having one line, you cannot use any negative Tab during this SLP. Mine just fell off a few days ago and it's freeing!

4. Denied postpaid service and recommended to go prepaid since it requires no credit assessment. This one sucks (had a customer get this on Saturday).

The only way to find out is to try. Bring your IDs and try it out at anywhere that sells Koodo postpaid.
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Sammi Daugh

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Thanks, both of you. I appreciate the replies. I don't know exactly what the Tab thing is so if they say no to it that means I have to buy the phone, right? Damn. I would love a spending cap really because I have avoided getting a phone mostly because I am afraid of having unpredictable bills, etc. I already know I won't use it a whole lot. I do my own side business and need a dedicated line for it. Other than that I want to check email and look up things online... no movies, no streaming, no big data requirements... and I hate texting.

I'd be so embarrassed to stand there with some dude 10 yrs younger than me looking up my credit and telling me I don't rate well. :( It makes me feel sick.

What I really want is to not have to buy the phone upfront and to have a decent data rate. I can manage payments, what I can't do is slap down $300 for a phone all at once.
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Paul Deschamps, Mobile Master

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Well take a look at the Motorola Moto G for what you need it for its a great phone and only $150 or $0 on the small tab. It's the most recommended low priced device on the market and I have yet to come across any reviews that have anything bad to say about it. The display is really nice, it has a quad core processor, it's very loud crisp sounding, it runs the newest version of Android, the best thing is it has amazing battery life. The camera isn't the best but you can't expect a great camera for $150 when earthing else is so great. The camera isn't terrible it's quite decent in full lighting situations . Definitely check it out and then you have to worry about dropping $300 on a phone as the Moto G will be perfect for your needs for only $150 or $0 on a small tab.
Also don't feel bad about your credit if it's not great many ppl have not so great credit including myself. Everyone makes some mistakes in their past or falls on tough times that's just life and as long as your working on rectifying that issue which it sounds like you are feel proud that your doing well now & trying to fix things from the past that's all that matters.
Good luck with everything and make sure to give the Motorola Moto G a look it's perfect for you. Have a wonderful night and feel free to come back if you have any further questions :-)

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