<prompt> Human: I had a 650 score when I first went to T-Mobile in January this year, and they wanted 50 down on my Nexus 5 and my wifes iPhone 5S. Understandable.But now Im looking to pick up a Note 4, and Ive had a 750 credit score for the last few months, Im actually up to around 780. Yet they want 420 down on this 750 phone that is abundantly advertised as 0 down for qualified buyers. So with a significant increase in my credit score, theyve decided they want even more than a 50 down payment...My wifes score is around 820 and they want the same down payment from her.What credit score are companies like T-Mobile looking for to be qualified for this 0 down myth?  <response>: T-Mobile may have an internal rating system, like if youve ever been late or if youve ever used insurance replacements or if you wore the wrong shirt the last time you walked into the store. 