Sometimes no credit or not that much credit is considered "bad credit" by some companies. Their reasoning is that they have no idea YET if they can trust your with credit since, to them, you haven't proven anything one way or the other.
Call them back and see if you can get more specific information.
Hi. It's not that they don't trust you. You haven't done anything wrong. It's just that they don't know what kind of risk you are and companies don't want to gamble that much anymore even though you might in reality be more trustworthy than someone with good credit. Report Abuse
There's only one way to make sure, and that is to check it yourself.
The cell phone company rep could be mistaken. Instead of bad credit, you could have limited credit, which isn't good, but not actually bad either.
The best way to know where you stand is to not believe anyone and check for yourself.
Google search: "what's considered good or bad credit." A lot of information is bad out there so check and re-check (don't just trust the first thing you read). A 650 credit score was once considered a med-low risk, but with the current credit situation, many financial "gurus" are saying that 750 is the new 650. So you want to be at least above a 700 credit score, but it is fair to mention the national average is around 680. I would say at worse you want to be at least average.
Check your credit report and score, do you have any open credit accounts? If you don't have a credit card, or any loans, than you have no credit.
I hope this helps, and wish I could be more helpful. Best of luck!
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Do you have any credit at all?
Have you had things like loans or credit cards that you've been paying off on time for at least a year?
Having no credit history is as bad as having a bad credit history
u can order a copy of yer credit report