Verizon Credit Check (All You Need To Know)

If you’re thinking about switching to Verizon as your wireless provider, do you have questions about the Verizon credit check process, such as how it works or the wait time?

Well, if you want to know all about the Verizon credit check process so you can join the Verizon network, continue reading below to find out everything I’ve discovered about the process!

What Is the Verizon Credit Check In 2024?

A Verizon credit check will occur anytime you’re signing up for Verizon services, including mobile phone services and the internet in 2024. The credit check process is important since it’s what tells Verizon how much to charge you for a security deposit, and lets them know whether you can afford the phone and plan you’ve chosen.

Do you want to find out additional details about the Verizon credit check process, such as who does it and if it costs you extra money? Keep reading to find out all of the important details!

Does Verizon Do a Hard Credit Check?

Verizon does perform a hard credit check when you’re a new customer signing up for services or an existing customer that is adding a new line to their account.

Additionally, the reasoning behind a hard credit check is that Verizon needs to know what to charge you for your deposit, and it measures the risk associated with your account.

Hard credit checks can impact your credit score, especially if you have numerous hard inquiries happening within a short period.

However, Verizon only does a hard credit check on people looking for a postpaid plan, which are plans you pay monthly, and doesn’t perform them on prepaid cell phone plans.

How Does the Verizon Credit Check Work?

Verizon credit check begins by you picking out the devices and options you’d like to have on your Verizon plan online, such as a smartphone, tablet, smartwatch, or mobile hotspot device.

Also, you’ll enter information such as your zip code, and whether you’re a new customer or an existing customer during this stage.

Next, you’ll choose a plan such as one of the Unlimited Plans or another that you think fits your needs, and add that to your cart.

You’ll confirm your choices, then select “Checkout.”

Once in the checkout section, you will enter your billing information such as your address, name, phone number, and other required information.

Next, choose your delivery and shipping options.

Additionally, you’ll need to enter your credit details if you’re opting to join the Device Payment Program, which lets you pay monthly on the device.

This is when the credit check is performed.

Therefore, within minutes, you’ll know if you passed the credit check if you’re able to continue with your order.

Otherwise, you’ll be rerouted to the prepaid page if you failed the credit check.

What Credit Check Does Verizon Use?

Verizon uses Equifax as the source of its credit checks, and it appears the company doesn’t contact the other major credit bureaus at this time.

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.

How Long Does the Verizon Credit Check Take?

The Verizon credit check process only takes a few minutes to run if you’ve entered all required information during the online process, or have walked into a store to begin the purchase.

On the other hand, it could take longer if you’ve been asked to submit additional documentation before the credit check can be completed.

Those types of situations come up a lot when someone has moved recently, or there is a problem with verifying your identity due to other reasons with the information you’ve submitted.

Does Verizon Charge You for a Credit Check?

Does Verizon Charge You for a Credit Check?

Verizon doesn’t charge you any additional fees to run the credit check, and it’s just a part of the application process for obtaining Verizon services.

Furthermore, you don’t need to worry about paying for the credit check if Verizon runs additional credit checks in the future.

Does Verizon Approve Bad Credit?

Verizon can approve someone with bad credit.

However, if the company does approve bad credit, the deposit for services would be substantial compared to someone with good or great credit.

However, it depends on how bad your credit is, because if you’re talking about a credit score of 300 or 350, then Verizon is probably not going to approve you to join its network.

In the meantime, you should work on building up your credit score as much as you can before applying for services through Verizon, which can lower your deposit or even eliminate it.

What Credit Score Does Verizon Require?

While it’s possible to get Verizon with a bad or lower credit score, approvals are almost guaranteed if your credit score is around 600 to 650.

Furthermore, the higher your credit score is when you apply for services, the lower your deposit will be.

As well, if you’re above 650 or 700, there might not be any deposit required at all.

Does Verizon Check Credit for Upgrade?

According to users online with Verizon, the company won’t check your credit for an upgrade but will perform an internal credit check before allowing you to upgrade your device.

Therefore, make sure you pay your bill on time and that you have an account in good standing because the internal credit check will show this information before you can upgrade.

Does Verizon Do Credit Checks for the Internet?

Verizon Fios does pull your credit if you’re trying to get internet and television services through the company, and you could be denied services if you have bad credit.

However, Verizon Fios offers a prepaid Fios plan so that people with bad credit or no credit can still obtain Fios services.

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 credit card, or you can go to a Verizon store and use a kiosk to pay your monthly bill.

To know more, you can also read our posts on whether or not Verizon offers internet, what is Verizon Data Boost, and if Verizon offers unlimited data.


Verizon performs a credit check when you apply for any Verizon services, to know whether to offer you services and how much to charge you for the security deposit.

Furthermore, Verizon performs a hard credit check which could negatively impact your credit score, and typically uses only Equifax to obtain your credit score.

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Florence Howard

Florence Howard has been freelance writing for over a decade, and has a vocational background in retail, tech, and marketing. Outside of work, she enjoys listening to rock and metal, and playing with her dog and cat.

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