Verizon Credit Check: Everything You Need to Know

Verizon Credit Check: Everything You Need to Know

If you’re looking to get a phone plan with Verizon, it’s likely that you’ll need to go through a credit check. In this article, we’ll cover everything you need to know about the Verizon credit check, including the factors involved, what types of checks they run, and what your chances of approval are. So, keep reading to learn more!

What Is the Verizon Credit Check?

The Verizon credit check is a process that determines your creditworthiness before you can sign up for a phone plan with the company. The credit check involves examining your credit score and credit history to assess the likelihood of you paying Verizon bills on time.

When you apply for a phone plan with Verizon, the company will run a credit check to determine if you qualify for the plan. If you have a good credit score and a history of paying your bills on time, you’re more likely to get approved for the plan. However, if you have a low credit score or a history of late payments, your application may be denied, or you may be required to pay a deposit.

Does Verizon Do a Hard Credit Check?

Yes, Verizon runs a hard credit check on all postpaid plans. This is because postpaid plans typically require the company to bear more risk, as customers are billed after they use the service. The hard credit check helps Verizon determine whether or not you’re a responsible enough customer to trust the phone plan.

During a hard check, your credit score and history will be examined in detail before you can be approved for the plan. This type of credit check is recorded in your credit report, which can impact your credit score. 

If you’re concerned about the impact of a hard credit check on your credit score, you may want to consider applying for a prepaid Verizon plan. Prepaid plans require a soft credit check, which does not appear on your credit report and doesn’t impact your credit score.

What Credit Bureau Does Verizon Use?

Verizon typically uses all three major credit bureaus – Equifax, Experian, and TransUnion – when evaluating a customer’s creditworthiness. However, it’s worth noting that Equifax is usually preferred by many companies, including Verizon, due to its long-standing reputation as one of the largest and most reputable credit bureaus.

That said, the specific bureau used by Verizon may depend on various factors, such as the customer’s location and the type of service they are applying for. So,  if you want to make sure your credit report is accurate and up-to-date before applying for a Verizon phone plan, it’s best to check all three of the major credit bureaus.

What Credit Score Does Verizon Approve?

Generally speaking, Verizon typically looks for customers with a credit score of 600 or higher when evaluating applications for postpaid plans. This is because customers with a score of 600 or higher are generally considered to be more financially responsible and reliable. Plus, they’re less likely to default on their payments.

However, a lower credit score doesn’t necessarily mean an automatic rejection,  as Verizon also considers other factors, such as your payment history and overall financial situation. So, even if you have a lower credit score than 600, you may still be approved for a Verizon phone plan.

Does Verizon Approve Bad Credit?

Verizon does approve bad credit, though you may need to pay a security deposit with your plan. This is because customers with a poor credit history are considered higher-risk customers, and Verizon wants to ensure they’re protected in case you don’t pay your bills. 

The security deposit amount will depend on your credit score: the lower it is, the higher the security deposit. Generally speaking, customers with bad credit may be required to pay a deposit of up to $400. However, if your score is too low, you may be denied a postpaid plan altogether.

Do You Have to Pay for the Verizon Credit Check?

No, you don’t have to pay for the Verizon credit check. The company will cover all fees associated with running the credit check. The same rule applies to any credit checks Verizon runs in the future, such as when you decide to upgrade your device. So you don’t need to worry about any additional costs. 

How Long Does It Take to Run a Verizon Credit Check?

Verizon typically completes credit checks within a few minutes. Provided you have all the necessary information, your credit check can be completed quickly and hassle-free. Afterward, you’ll receive an email with the result of the check. 

In some cases, Verizon may request additional information from you before approving your application. If this happens, it could take up to a few days to complete the check. In any case, you’ll be notified of the results as soon as possible. 

Does Verizon Run Credit Checks for Upgrades?

If you are upgrading your device with Verizon and have an existing account in good standing, they may not perform a full credit check. Instead, they may run an internal credit check to determine if you have a history of on-time payments and are eligible for the upgrade. 

However, if your upgrade requires a new contract or installment agreement, Verizon may perform a full credit check to determine your creditworthiness and ability to make payments over time.

Does Verizon Run Credit Checks for Internet Services?

Yes, Verizon typically runs a credit check when customers apply for television services or Internet services such as Fios or DSL. This is because Verizon is extending a line of credit to you for the cost of the internet services and any associated fees or charges. The credit check helps Verizon determine your creditworthiness and ability to pay for the services over time. 

However, in some cases, Verizon may offer prepaid or pay-as-you-go internet plans that do not require a credit check. So, it’s best to check with Verizon to see what options are available for internet services.


Verizon credit check is essential when signing up for a phone plan with the company. Verizon runs both full hard and soft credit checks, depending on your plan. 

If you have a credit score of 600 or higher, it’s likely that your request will be approved. However, if it’s lower, you may need to pay a higher security deposit. 

Overall, Verizon offers flexible plans and is willing to work with customers of all credit levels. So, if you’re in the market for a new phone plan, Verizon is definitely worth considering.  


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