Typical score
620+
Soft-pull prequal
No
Inquiry tolerance
8
Expected credit pull
What hits your report and when.
Service on Visible needs no credit check. Choosing device payment triggers a credit review through Verizon's financing, which can be a hard inquiry.
Reporting
Device payment agreements may report as installment debt; the service plan does not.
Deposit / down payment
No deposit. Declined financing just means paying for the phone in full or bringing your own.
Eligibility requirements
What the provider checks before approving.
- 18 or older with SSN or ITIN for device financing
- Service alone: no credit requirement
- Financing approvals commonly around 620 FICO
- Payment card for the monthly plan
Required documents
Have these ready before you start the application.
Government IDRequired
Identity verification and fraud screening before any account opens.
Proof of addressRequired
Service address check — a utility bill or lease dated in the last 90 days.
SSN or ITINRequired
Used to pull credit and set your deposit / financing tier.
Payment card in your nameRequired
Down payment, first month of service, or autopay enrollment.
Likely outcome by credit tier
How the decision usually lands.
Service only
No credit check, activate immediately
Device financing
Credit review; approval sets term and any down payment
Before you apply
Ways to protect your report.
- Activate with your own phone first to avoid the inquiry, then finance later if needed.
- Plans are online-only — no store support if something goes wrong.
Online-only Verizon brand; device financing requires credit approval, service does not.
Compiled from publicly published provider terms and widely reported approval patterns. Providers change credit classes, deposits and document rules without notice — nothing here is a preapproval.