Visitor

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2 Messages

Saturday, January 24th, 2026 12:09 AM

No credit approval…with an 820 credit score

Yesterday my wife and I signed up for 2 mobile lines. The person in store stated that we qualified for the free year for 1 line promotion and we could trade in our phones for a discounted rate on a new phone. Upon “running our credit” AFTER he switched our lines over to their service already, he informed us we were not approved for any credit and therefore could not get the promotion. Our credit scores are 780 and 823 respectively. There is no reason that either of us should be denied credit. We have called customer service multiple times and they all tell us to “check with our bank”. We already have. Nothing is frozen, there are no late payments, we have never missed a payment. I’m really frustrated at anyone’s ability to reconcile this issue. Every person we talk to passes us off to another. This is a terrible first impression and I am incredibly frustrated. 

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Official Employee

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868 Messages

5 hours ago

I am incredibly sorry for the frustrating start to your Xfinity Mobile experience. With credit scores of 780 and 823, I completely understand why a denial feels both incorrect and confusing @user_ititgc. We commonly see this happen for a few specific reasons.

 

If your credit was frozen when the in-store agent first ran it, our system may have cached that 'denied' status.

 

As a new customer, you may not have an "internal" credit history with Xfinity yet. Sometimes the system defaults to a $0 Device Payment Plan (DPP) limit until an external credit check is properly synced with your new account.

 

 

Visitor

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2 Messages

Sounds like everyone else we spoke to. Credit wasn’t frozen and there was no issue on our end. We cancelled services. 

Official Employee

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868 Messages

While technical hurdles could be the root cause, I want to be clear that what I mentioned doesn't necessarily mean it was the specific issue in your case. Given your excellent credit scores, there is a possibility that a system error occurred rather than a reflection of your actual creditworthiness.

To resolve this properly, I would need to escalate your account to our Mobile Executive Resolutions Team for a manual review and a deep dive. I sincerely apologize for the frustration this has caused and is not the experience we intend for our customers @user_ititgc.

(edited)

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