Denied for dish (1 Viewer)

cali_installer

Thread Starter
SatelliteGuys Family
May 8, 2005
70
0
Los Angeles
Let me ask quick question or few. my sister inlaw and her husband applied for dish a few days ago and were both denied for service, so im assuming there credit is considered bad .they werent allowed to use the gift card i gave them because of that. so my question is if they had went directly thru dish would it have made a difference being that they went thru a retailer who also ran them for directv (and got the same reply) or are retailers and dish using the same system .. and lastly it they recently pruchased a new car getting a pretty good interest rate why is there credit considered bad by dish?
 

boba

SatelliteGuys Master
Dec 12, 2003
11,351
1,033
Dorchester, TX.
Actually it is not the credit card that is checked it is their credit rating on a credit bureau. Being rejected by both DISH and Directv it is probably something on their credit report like unpaid cable bills that says they are not desirable customers.
 

cali_installer

Thread Starter
SatelliteGuys Family
May 8, 2005
70
0
Los Angeles
they have never had cable before, and as far as an available ballance on the card they used i cant say yes or no to but i dont see why they would use it if its not space on it,and at the same point how do u get financing for a new car thru the manufacturer you ned good credit for that
 

Kagato

SatelliteGuys Family
Sep 13, 2003
64
0
Cable, Telephone, Gas and Electric are considered utilties and do not show up on the credit report as far as late payments and the like. If you are disconnected and are sent to a third party collection agency then it will appear simply as an debt collection (paid or unpaid).

As part of the fair credit reporting act Dish will have to send them a letter detailing specifically what credit reporting agency they checked with and what things in the report were flags. They have the right to dispute correct and dispute those items with the reporting agency.
 

mzopinionated

SatelliteGuys Family
Mar 3, 2006
66
0
Kagato said:
Cable, Telephone, Gas and Electric are considered utilties and do not show up on the credit report as far as late payments and the like. If you are disconnected and are sent to a third party collection agency then it will appear simply as an debt collection (paid or unpaid).

As part of the fair credit reporting act Dish will have to send them a letter detailing specifically what credit reporting agency they checked with and what things in the report were flags. They have the right to dispute correct and dispute those items with the reporting agency.


i live in Tampa, Fl and have Verizon for my land line. It states on the bill they report my payments to the credit bureau.
 

parrothd

SatelliteGuys Family
Dec 20, 2004
60
0
Kagato said:
Cable, Telephone, Gas and Electric are considered utilties and do not show up on the credit report as far as late payments and the like. If you are disconnected and are sent to a third party collection agency then it will appear simply as an debt collection (paid or unpaid).


Not true, Poeple gas in chicago/illinois has basiclly lowered everyones FICO score for the entire state. They started reporting if 30 past due on any unpaid balance, nice shocker for anyone running a credit report.. :)
 

chadzx11

SatelliteGuys Pro
Jan 28, 2006
1,190
0
memphis
That's what the free for all is for. I don't think that they pull a credit report. It's likely a fico score, and from my own personal experience installing D*, everybody who bombs that credit check has "good credit". They are all victims, too. Its the "man" holding them down. :rolleyes:

A new car doesn't mean jack. "Do you have a job? Do you have $199? You can get a new car!" I've heard way to many of those ads....
 

iceshark

SatelliteGuys Pro
May 10, 2004
533
0
Pacific Northwest
Now I will give you the facts straight from the office of the CEO of Dishnetork. I was denied a 942 upgrade lease last year after being with dish net since DAY 1! of there inception and never a late payment. I went to the CEO and was told that Dish runs a credit check on new service setup AND lease additions or upgrades. I told her that my buisness had a bankrupcy but my credit is good and my mortgage never late. She said they do not get back the WHY but get back an A, B, or C that means CAN DO, Can DO with deposit, or NO WAY JOSE. She said that is why they rolled out new pre-pay plan.

I pressed her and found out that certain flags like bankrupcy or late UTILITY bills will fail you even with a good mortgage or car payment history. Also Collections on file. She was nice enough to let me upgrade to a lease based on my history. Something the floor manager could not do.

So me thinks they are only going to do Prepay or NO go.

DTV is different. They will let you prepay a couple months in advance and setup account. Little easier. I hear they had been VERY easy until recently from being burned so much.
 

dishcomm

SatelliteGuys Master
Nov 29, 2005
10,377
540
suburbia
cali_installer said:
Let me ask quick question or few. my sister inlaw and her husband applied for dish a few days ago and were both denied for service, so im assuming there credit is considered bad .they werent allowed to use the gift card i gave them because of that. so my question is if they had went directly thru dish would it have made a difference being that they went thru a retailer who also ran them for directv (and got the same reply) or are retailers and dish using the same system .. and lastly it they recently pruchased a new car getting a pretty good interest rate why is there credit considered bad by dish?
sorry but retailers have to check credit too...
The car purchase may have put them over the edge....I have a friend who lost a home buyer due to a purchase..He signed the papers on the house before the mortgage app was approved..Two days later he bought a vehicle and subsequently the mortage app was denied...that's just how it works...
 
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dishcomm

SatelliteGuys Master
Nov 29, 2005
10,377
540
suburbia
cali_installer said:
they have never had cable before, and as far as an available ballance on the card they used i cant say yes or no to but i dont see why they would use it if its not space on it,and at the same point how do u get financing for a new car thru the manufacturer you ned good credit for that
actually you don't need stellar credit to get an auto loan....I have a friend who is a floor plan manager/loan specialist for a bank in NY..He runs the buyer's credit on the deals and he will offer a deal to a lower FICO scored buyer is they don't have lates and have a down payment other than a trade..
To the best of my knowledge DN looks at FICO scores primarily..A recent purchase on credit will lower that FICO score to a level that DN may find undesirable...They also look at credit inquiries..Each time you apply for credit it generates an inquiry...Banks and other lender frown upon a consumer that has many inquiries that are dated close together..Especially those with high debt to income ratios...IT is possible that DN's credit dept looks at these items as well..many people who are shopping for a vehicle allow dealerships to check their credit to see "how the numbers look"...Each time that happens and inquiry is placed on that person's credit history.......
 

dishcomm

SatelliteGuys Master
Nov 29, 2005
10,377
540
suburbia
chadzx11 said:
That's what the free for all is for. I don't think that they pull a credit report. It's likely a fico score, and from my own personal experience installing D*, everybody who bombs that credit check has "good credit". They are all victims, too. Its the "man" holding them down. :rolleyes:

A new car doesn't mean jack. "Do you have a job? Do you have $199? You can get a new car!" I've heard way to many of those ads....
\Victims? >I disagree..
Most people who have weak credit histories have used credit irresponsibly...."Most".
Some have ahd some bad luck roll their way and have used credit get out of their bind..
Bottom line is credit is to be used carefully and responsibly...
 

SaltiDawg

SatelliteGuys Pro
Sep 1, 2004
1,004
3
mzopinionated said:
i live in Tampa, Fl and have Verizon for my land line. It states on the bill they report my payments to the credit bureau.
And when you did your annual review of your three credit reports, were you surprised to find that Verizon is not listed as a creitor? :rolleyes:

I suspect if you are late with a payment you may get red flagged.:cool:
 
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cali_installer

Thread Starter
SatelliteGuys Family
May 8, 2005
70
0
Los Angeles
thanks all for your post it was the purchase of the new car which put them over after lloking at there credit report it was the only thing on there,all other things were paid in full or up to date and since they onlt have 4 lines of credit it was kinda easy to read
 

Barry Erick

SatelliteGuys Pro
Aug 27, 2004
1,020
0
Dallas
I guess you've never seen a credit report because all utilities are on mine and have been for years. While not true anymore, simply checking your credit was a black mark on the credit report. they said many checks meant you were being denied credit and trying over and over again. This kept people from checking their reports and is no longer true.
 

SaltiDawg

SatelliteGuys Pro
Sep 1, 2004
1,004
3
Barry Erick said:
I guess you've never seen a credit report because all utilities are on mine and have been for years. While not true anymore, simply checking your credit was a black mark on the credit report. they said many checks meant you were being denied credit and trying over and over again. This kept people from checking their reports and is no longer true.
Your Utilities do not appear on your Credit Report - unless you were reported for late or non-payment. You will see the fact that your Utilities may have initiated a Credit Check.
 

chadzx11

SatelliteGuys Pro
Jan 28, 2006
1,190
0
memphis
iceshark said:
I hear they had been VERY easy until recently from being burned so much.

I don't call it easy. Especially not after taking 3-4 years of ass chewings that I didn't deserve or earn because of cx's with crappy credit not being told of the check. :eek: Not to mention the old and paranoid aholes tying me up for HOURS refusing to submit to the check. And then there are the address verifications. Speaking of which, I have a E* service call today with a fake address. How do I know? Hell, I googled the phone number.......:devil:
 

chadzx11

SatelliteGuys Pro
Jan 28, 2006
1,190
0
memphis
dishcomm said:
\Victims? >I disagree..
Most people who have weak credit histories have used credit irresponsibly...."Most".
Some have ahd some bad luck roll their way and have used credit get out of their bind..
Bottom line is credit is to be used carefully and responsibly...

I know, man, I was being sarcastic. :rolleyes:
 

BrianMis

Original PIT Dweller
Pub Member / Supporter
Mar 29, 2005
5,876
2,874
Western PA
SaltiDawg said:
Your Utilities do not appear on your Credit Report - unless you were reported for late or non-payment. You will see the fact that your Utilities may have initiated a Credit Check.

This isn't exactially true, I used to work for a mortgage banking company and noticed utilities on credit reports in this area all the time. It depends on the company some report, some don't.
 

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