Credit qualification

  • 1
  • Question
  • Updated 2 months ago
  • Answered
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
Photo of Matthew Wade

Matthew Wade

  • 8 Posts
  • 0 Reply Likes

Posted 11 months ago

  • 1
Photo of Old Labs (VS1-329-L12FZ)

Old Labs (VS1-329-L12FZ)

  • 3920 Posts
  • 4006 Reply Likes
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... 
Photo of Brad

Brad, Viasat Employee

  • 3143 Posts
  • 1116 Reply Likes
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. 
Photo of Nathan Hart

Nathan Hart

  • 253 Posts
  • 78 Reply Likes
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.
Photo of Nathan Hart

Nathan Hart

  • 253 Posts
  • 78 Reply Likes
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.
Photo of Old Labs (VS1-329-L12FZ)

Old Labs (VS1-329-L12FZ)

  • 3919 Posts
  • 4006 Reply Likes
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)
Photo of Jeriah Hershberger

Jeriah Hershberger

  • 1 Post
  • 0 Reply Likes
I have security freezes on all the reporting agencies and I passed the Viasat soft check.
Photo of Rae Yearnd

Rae Yearnd

  • 26 Posts
  • 17 Reply Likes
Churn is a big issue for a subscription based publicly traded company,  In order to try to predict revenue they probably do everything that they can to attract and chose the best customers that they can,, long term customers that are stable and pay their bills on time.  It is funny though when I am driving around I sometimes see a shabbier house or trailer with 3 generations of Directv dish,  2 Dish network dishes, a Hughes Net dish or two AND a ViaSat or old wild blue dish.  I think that some local dealers are able to bend the rules in order to ramp up subscribers for a promotion now and then.
Photo of Matthew Wade

Matthew Wade

  • 8 Posts
  • 0 Reply Likes
Could it be using a prepaid debit card?
Photo of Brad

Brad, Viasat Employee

  • 3099 Posts
  • 1090 Reply Likes
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
Photo of Matthew Wade

Matthew Wade

  • 8 Posts
  • 0 Reply Likes
I do have one with my name on it buts it’s not from a local bank.
It’s an online checking account
Photo of Bev

Bev, Champion

  • 3070 Posts
  • 1286 Reply Likes
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.
Photo of Matthew Wade

Matthew Wade

  • 8 Posts
  • 0 Reply Likes
Yes I do but when you check out it asks for consent to do a credit check and you have to provide your birthday
Photo of Andy Schack

Andy Schack

  • 854 Posts
  • 753 Reply Likes
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
Photo of Andy Schack

Andy Schack

  • 854 Posts
  • 753 Reply Likes
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
Photo of JSheridan

JSheridan

  • 29 Posts
  • 10 Reply Likes
People should always call their local retailer. :)
Photo of Andy Schack

Andy Schack

  • 854 Posts
  • 753 Reply Likes
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