Does Verizon Credit Check? (2022 Facts)

What is the Verizon credit check? Verizon Communications, Inc. is an American multinational telecommunications conglomerate and a corporate component of the Dow Jones Industrial Average. The company is based at 1095 Avenue of the Americas in Midtown Manhattan, New York City, but has operations throughout the United States and in several other countries.

With 149 million subscribers as of 2018, Verizon Wireless is the largest wireless telecommunications provider in the United States. The company also provides communications and information technology services to businesses and government agencies, including network security solutions and cloud-based computing services. Verizon's business segment comprises four reportable segments: Wireless, Residential, Business, and Verizon Connect (formerly Fleetmatics).

does verizon check credit history and credit reports (poor credit issues)

What is the Verizon Credit Check?

If you’re signing up for Verizon services, you can expect a credit check to occur. This is because the credit check process is important in order to help Verizon determine things like how much of a security deposit to charge and whether or not you can afford the phone and plan that you’ve chosen.

In general, when a credit check is run, it will show up on your credit report as an inquiry. This type of inquiry usually has very little impact on your overall credit score but is still something to keep in mind.

Additionally, if you have any concerns about your credit report or score, you can always request a free copy from one of the three major credit bureaus: Equifax, Experian, or TransUnion. By law, you’re entitled to one free report from each bureau every 12 months. So, if you want to stay on top of things, you can stagger your requests and get a report every four months. Lastly, if you have any questions about the Verizon credit check process or anything else related to your account or service with Verizon, don’t hesitate to reach out to customer service for assistance.

Does Verizon do a hard credit check?

When you're signing up for Verizon services, the company will do a hard credit check. This is because Verizon needs to know what to charge you for your deposit and to assess the risk associated with your account.

While hard credit checks can impact your credit score, Verizon only does them for people who are signing up for postpaid plans. If you're on a prepaid plan, you won't have to worry about a hard credit check.

So if you're considering Verizon services and are worried about your credit score, be sure to ask about their plans before you sign up.

How does the Verizon Credit Check Work?

You’ll enter your billing information and create an account. Part of creating an account includes entering a credit or debit card for monthly payment. You will also be asked to choose a 4-digit personal identification number (PIN) for use with customer service and making changes to your account.

After you have completed these steps, Verizon will run a credit check. This is standard procedure for most cell phone carriers when you set up service. The credit check is used to gauge the amount of financial risk involved in offering you service. By law, cell phone carriers must report information about customers who fail to pay their bills to collection agencies. Therefore, they want to make sure that they only do business with people who have good credit scores and histories.

If you have bad credit or no credit, don’t worry – you can still get Verizon service. The credit check won’t prevent you from getting service, but it may affect the type of plan you’re eligible for and the deposit you’ll have to pay.

What information does Verizon request during a credit check?

Verizon uses Equifax as the source of its credit checks. However, there is always a possibility that in the future, Verizon will pull Experian and TransUnion.

Therefore, it’s not guaranteed to be limited to Equifax in every situation. Currently, it appears the company only contacts Equifax. It’s important to note that this could change, though it’s unlikely. The main determining factor will be your credit score from Equifax.

If you have a good score, then you probably don’t have anything to worry about. However, if your score is not as strong, then you may want to take steps to improve it before applying for service with Verizon.

There are many ways to do this, and you can find plenty of resources online. In general, though, you should focus on paying your bills on time, keeping your balances low, and diversifying your credit mix.

How long does the Verizon credit check take?

The usual Verizon credit check only takes a few minutes to process. This is especially true if you've completed the online process and have entered all the required information. There are, however, times when the credit check might take a bit longer.

For example, if you're requested to submit more documentation before the credit check can be completed. These types of situations usually arise when an individual has recently moved or when there are problems verifying his or her identity with the given information.

Nevertheless, as long as you have all the necessary documentation, the credit check shouldn't take more than a few minutes.

Does Verizon approve bad credit?

The answer is that Verizon can approve someone with bad credit, but the deposit for service is likely to be substantial. How much of a deposit you'll need to pay depends on how bad your credit is.

If your credit score is below 350, Verizon is probably not going to approve you. However, if your credit score is above 350, you might be able to get approved, but you'll probably still need to pay a large deposit.

In any case, it's a good idea to try to improve your credit score as much as possible before applying for service with Verizon. Doing so could lower your deposit or even eliminate it altogether.

What is the Verizon credit score requirement?

It's no secret that having a good credit score can save you money. But did you know that it can also help you get approved for services like Verizon? That's right - a high credit score can actually help you get approved for service with Verizon. And not only that, but if you have a high credit score, you may not even have to pay a deposit.

So if you're wondering what credit score you need to get approved for Verizon service, the answer is: around 600 to 650. However, if your credit score is even higher than that - around 700 or above - you may not have to pay a deposit at all.

Is it true that Verizon performs credit checks on customers who use the internet?

While Verizon Fios does pull your credit when you're trying to get internet and television services, they do offer a prepaid Fios plan for those with bad credit or no credit. With the prepaid Fios plan, you can get a home phone, internet, and television without a contract. As well, there's no credit check, no requirement for a credit card, or deposit.

Additionally, the prepaid Fios service allows you to pay using either a debit card or bank account. This is a great option for those who have bad credit or no credit and still want to be able to access Verizon Fios services.


Verizon's credit check policy is unfair and could negatively impact your credit score. If you're planning on applying for any Verizon services, be aware that they will most likely perform a hard credit check.

This could cause your credit score to drop, and if you're not approved for services, you may still be charged a security deposit. It's best to avoid applying for Verizon services if you're not confident in your credit score. There are other providers who don't require a credit check, so you can shop around for the best deal.

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author: patrick algrim
About the author

Patrick Algrim is a Certified Professional Resume Writer (CPRW), NCDA Certified Career Counselor (CCC), and general career expert. Patrick has completed the NACE Coaching Certification Program (CCP). And has been published as a career expert on Forbes, Glassdoor, American Express, Reader's Digest, LiveCareer, Zety, Yahoo,, SparkHire,,, FairyGodBoss,, St. Edwards University, NC State University,, Thrive Global,, Work It Daily, Workology, Career Guide, MyPerfectResume, College Career Life, The HR Digest, WorkWise, Career Cast, Elite Staffing, Women in HR, All About Careers, Upstart HR, The Street, Monster, The Ladders, Introvert Whisperer, and many more. Find him on LinkedIn.

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