Credit qualification

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I don’t understand how I can get qualified for directv for new receivers and instillation for free but can’t get qualified for Exede even if I pay the 24 month lease up front. Weird
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Matthew Wade

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Posted 10 months ago

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Old Labs (VS1-329)

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It's my understanding that all they do is run a temporary $60 charge through the credit card/bank account provided - if it succeeds they delete/cancel the temporary charge. If it fails, well... 
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Brad, Viasat Employee

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Hi Matthew

When we do a pre-authorization we do a holding fee to a payment method on file for $60. If that goes through you should have no issue getting our service. We do not run your credit. SOME areas though may have been temporarily suspended on adding new customers due to high demand in the area. Those are the 2 main reasons. Smaller and rarer reasons are if like if you've had an account shut down for copyright infringement violations or anything crazy like that you may have to sign up with another household member's name. 
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Stephen Rice, Champion

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I got my first credit card when I was 18. I managed money wisely and bought my first house when I was 23 with a 720ish credit score.

Now I'm an old fart with a garage, 840ish credit score and Viasat internet.

My best advice is to start out with a credit card, pay it off every month and eventually get a car loan. Before you know it, you will have good credit.
(Edited)
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GabeU, Champion

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I got my first CC when I was 20, and my first car from a dealer when I was 24.  My credit was very good until I hit a rough patch a while back, but I've been rebuilding it since.  

And for someone who has no credit a secured credit card is a great way to start.  It's safe and just about anyone can get one (as long as you have the money in the bank to back it).  
(Edited)
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Nathan Hart

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They ABSOLUTELY check your credit. I got my credit report and had a soft inquiry from Wildblue. Odd they still use that name when signing up for Visat 2 Gold.
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Nathan Hart

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They ABSOLUTELY check your credit. I got my credit report and had a soft inquiry from Wildblue. Odd they still use that name when signing up for Visat 2 Gold.
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Old Labs (VS1-329)

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Must be a newer policy then -  but really a credit check?

Viasat's risk is limited to recovering the cost of the install and return of the equipment after canceling.

You pay for the monthly service in advance - don't pay and your cut off from service.

Cancel early and don't pay the early termination fee or fail to return the equipment and don't pay you wind up going to a credit collection and destroy your credit.

If it's that big of a concern, charge for install and take a deposit on the equipment.

Bad optics on this one Viasat... it's friggin' internet service not a car or a house - some of the rage we see here in this community may be well placed. What next? A concealed modem permit to demonstrate browsing competency?

P.S. Interesting to note that since I would need to become a new customer to get onto Viasat-2 in my area, I'd likely be declined - not because of credit rating but chances are they use one of the 2 credit agencies I've locked due to security breaches (one hard and one soft). Oh well...  Try looking up NRTC retailers in your area Wesley, they may not have the same expectations and would be likely be willing to work with you (it's a more personal experience).
(Edited)
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Matthew Wade

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Could it be using a prepaid debit card?
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Brad, Viasat Employee

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yeah we'll need a card with your name matched. the fee is temporary and returns in 3-5 business days after we apply the holding fee
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Matthew Wade

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I do have one with my name on it buts it’s not from a local bank.
It’s an online checking account
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Bev, Champion

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Do you have a debit card with a major credit card logo on it associated with that account? If so, that will work, assuming the funds are available.
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Matthew Wade

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Yes I do but when you check out it asks for consent to do a credit check and you have to provide your birthday
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Andy Schack

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Wesley, you'll get a letter in the mail explaining why you didn't pass the credit check. I have seen one of these letters and it even listed the person's credit score...in this case 390, which means they don't even pay attention....think about it...you'll get it. 

A quick word on credit scores from someone who has pulled credit histories for about 15 yrs now. One of the biggest misconceptions people have is that if they have an old credit card that they haven't used in years, they will HELP their credit score by cancelling it. NO WAY. Even if you don't use the card, it shows up as long term established credit. Once you cancel it, your "depth" of credit history suffers and so will your credit score. 
Another thing that most people don't know. Companies like Equifax look at the ending balance and whether or not you "pay as agreed". If you pay your card off in full OR if you just make the minimum payment makes no difference to them. Hard to believe right?!!? Best thing to do if you use your cards in business and run up large balances, like I do, is to pay the card off 3 days before your cycle date, this way it will show a zero balance. BTW, you don't lose your points or perks by doing this. 
Hope this was informative and helpful.

Andy
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Andy Schack

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Wesley, you might also consider contacting a local retailer. There have been situations where a customer was turned down by Viasat but they qualified when we ran them through. 

Andy
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JSheridan

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People should always call their local retailer. :)
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Andy Schack

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Very true. I know for a FACT that the customer satisfaction is higher and the churn is lower when someone goes through a retailer vs direct sales. 

Andy