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 2 years ago

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Old Labs (VS1-329-L12FZ)

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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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Tiera Curtis

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wrong. I didnt even provide them with a card #. Its an actual credit check. 
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GabeU, Champion

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Tiera Curtis,

First, you're replying to a comment that's over a year old.  Secondly, Brad, who is a ViaSat employee, confirmed Old Lab's claim at the time.
(Edited)
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Tiera Curtis

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First, maybe it will help people who are reading it today. Secondly, I see that. Thank you. 
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Casual Observer

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The process changed right about the time Viasat-2 came online just one short year ago, hence all the confusion - the credit check appears to be a little more substantive now but still short of a full check. In fact, retailers like Andy (see below) were pushing for this change.

As the latest Viasat Vision Newsletter found at Viasat Retailer Support states:

If you have to work hard to get someone to pass credit, I promise they will not only eat up your time today, they’ll eat it up in the future.”
Free Andy...
(Edited)
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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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Matthew Wade

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I looked. When you check out you have to check a box to consent to a credit check and enter your date of birth. So I guess I can’t get it.
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Wesley

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This is a lie. They DO require a credit check. I just got denied service because of it
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Andy Schack

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As a retailer I've been pushing for them to implement some type credit review process. I've had customers who came back as a 5-star customer with DTV yet get turned down by Viasat, makes no sense. 

Andy
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Stephen Rice, Champion

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What's the big deal? Just keep your credit above 700 and you won't have any problems.
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Old Labs (VS1-329-L12FZ)

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I suggest it's not a credit check - the preauthorization is failing or rejected by the issuer. If the card's rejected no sale anywhere. It's just verifying the payment method and there's no actual settlement, although the hold can affect your available balance until it falls off your account without settlement.

Check your card/account balance. Also check with the card/account issuer.

Sometimes if the charge doesn't match your purchasing history, the charge will be rejected. I've got one card that always fails if I try to buy online for pickup at walmart.com - I go into the store and purchase the same item there and swipe the same card with no problem. Nobody can figure it out.         
(Edited)
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Andy Schack

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It's a credit check. 
Stephen, in order for a customer to be a 5-star customer with DTV they have to have a score above 750....this customer did. We have had MANY instances where high credit score customers fail the credit check...otherwise I wouldn't be trying to get a credit review process started. 

Andy
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Stephen Rice, Champion

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Wow that's insane.  I thought 680 was considered okay credit.  I guess I'm out of touch with reality.  My credit stays between 815 and 840ish these days.
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Wesley

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Old Labs. It is a credit check. I never gave them my bank information so it has ZERO to do with that and only has to do with the credit check. I am 24 years old so i have no credit history, when that happens they should make some sort of exception. Not my fault my parents credit sucks so i can't use them. I'm only 24 so i don't have any credit history and thus was denied service
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Old Labs (VS1-329-L12FZ)

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Once again there are reasons why preauthorization fails having nothing to do with running a credit check.

Perhaps Brad can clarify his original statement if the policy has changed.  If the policy has changed since 6 months ago then it wasn't a lie at the time he made that statement.
(Edited)
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Wesley

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Old Labs. You are mistaken. I literally just called them and spoke with someone and he said they do require a credit check. Maybe you should look more into it because you are mistaken
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Old Labs (VS1-329-L12FZ)

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Then Brad's statement may simply be outdated - not a lie as you stated.

That's why we're seeking clarification. So you're telling me they ran a credit check based on what? Name and birth date, driver's license, SSN, credit card number, Credit Karma? Again only seeking clarification from someone in the know not by simple anecdote. That would be a moderator in this venue.  
(Edited)
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Wesley

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"We perform a CREDIT CHECK before any new ViaSat order. This credit check uses only your name and address, not your SSN. The credit check gives us only a PASS or FAIL. ... Current ViaSat Customers must call 855-463-9333 or visit myexede.net."

https://directexede.com/?__mode=handle_sign_in&static=1&logout=1&entry_id=944
I am just angry because i do not have any credit history and there should be an option for those who do not have any credit history. I'm only 24 and i think ViaSat should be more open to new customers if they have zero credit history
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Old Labs (VS1-329-L12FZ)

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Great - that's all I was asking for. Yet another Viasat sponsored direct order venue to account for now.

Have you by any chance tried going through: https://viasat.com/internet    
(Edited)
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Wesley

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I am sorry. I should have linked that in the beginning and i shouldn't have gotten angry with you. Nothing you did just angry with Viasat
And yes i did. I called to order so i spoke with a rep from Viasat.
(Edited)
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GabeU, Champion

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Wesley,

A different topic, no doubt, but at your age a good way to start building credit is a secured credit card.  Just a little advice from one who's been there (as we all have or will be).  
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GabeU, Champion

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Wesley,

A different topic, no doubt, but at your age a good way to start building credit is a secured credit card.  Just a little advice from one who's been there (as we all have or will be).  
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Old Labs (VS1-329-L12FZ)

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No problem Wesley I took no offense - Viasat's got too many different web sites to keep track of for ordering now - directexede, exedebroadband, etc. So much for abandoning the Exede brand... and yeah all those different sites are registered to Viasat. I think they should too - if you've got a valid payment form at order.

Interesting that all of these secondary sites show as "authorized retailers" - that's sort of like me saying I'm my own grandpa. If Viasat's not an authorized retailer, who is?

I understand your frustration... how does one establish credit if you can't get it, but those who don't really need it can easily get it?

Something very fishy about those secondary sites... perhaps part of the new distribution channel.
(Edited)
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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-L12FZ)

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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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Jeriah Hershberger

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I have security freezes on all the reporting agencies and I passed the Viasat soft check.
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Rae Yearnd

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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.
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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