does canceling a phone plan and returning unpaid eips have an affect on credit?
friend had an account with me on t-mobile and canceled the account with out my knowledge. the account is in my name. we have 3 iphones all paid on just a couple of times. when i spoke to tmob in store, they said i would have to pay the phones off (about 2k) or it will affect my credit. the friend said she called t-mobile and they said to return the 3 iphones and it wouldn’t affect my credit. i don’t know how true that is because if what she did i can’t trust her.  help please!!
the only way you can return the phones are if you are still within the remorse period. if you're past the window you will need to pay the phones off and if you don't it will go to collections and go against your credit.
hi @ffscancelling your direct debit won’t cancel your plan.if you haven’t followed the correct cancellations process, your plan will remain active and you’ll continue to get billed by us, which you’ll still be liable to pay of course.if you fail to pay, unfortunately, your plan will go into collection and it could impact your credit rating.we can accept payments via our automated payment line or if you have received a letter from a collections agency you can make payment directly to them.michelleid mobile you likely will. since to request a refund or exchange you need to email the webstore i would request an exchange for another phone instead. if you cancel your subscription, all of the data on it will be erased. you will need to contact our support team to see if they can adjust the billing date for you. since this is a community forum, we won’t be able to answer that question for you. hi there, can you pm me your uphold email address? i can look into your account and issue you a refund. :slight\_smile: I read somewhere that the number was 640.   

You are very close.   

Do you have any credit card balances?   

Pay them in full. Wait 45 days, then get your score again.   

Carrying high balances can reduce a score by 100 points.   

And it also hurts getting a mortgage, since it will directly reduce the amount of home you will qualify for.   

  

Tell us what is in your reports and people can tell you how it can be repaired.   

Sounds like you only have one of your three reports though.   

Get the other 2 at Annual Credit Report.com   

No cost. No card required. Reports are free once a year.   

Something is bringing your credit down. People here will try their best to help you No. Your free yearly reports through this service will never include a credit score. It’s worth noting that you don’t really need your score to know where your credit stands. Scoring is based on the information in your credit report. If you have no negative information and a long, positive credit history, you can assume your score is good. However, you won’t know the exact number.  
 If you want to get your score for free, you have a few options: 1. Take advantage of free score trackers offered by many credit card companies.
2. Get a free credit score monitoring service.
3. Apply to one of the many, many sites that offer you a “free score and report”; then cancel before they charge your credit card after the free trial. "when you don't pay your [car insurance](https://getjerry.com/car-insurance) bill, your coverage can be canceled. without insurance, you won't be covered in the event of an accident. this means that you would be responsible for any damages or injuries you cause.
 
if you don't pay your bill, you could also face higher rates with insurance carriers down the road. carriers look at your prior insurance history when deciding on your rate. if they see that you had a policy canceled for non-payment, you could face higher rates than someone who pays for their car insurance on time.
 
if cost is an issue, you should shop around. you can request [car insurance quotes online](https://getjerry.com/car-insurance/car-insurance-quotes-online) to find the best price for the coverage you need.

if you’re shopping for car insurance, [jerry](https://getjerry.com/signup) will generate competitive quotes from top providers in less than a minute. " ALWAYS call this in. For some unknown reason Samsung on most models doesn't have an option to turn that off.

You have choices to make here. Call it in and confirm then decide if the set is going back as its design doesn't work for you. hello @oscarmorton94,in regards to texts, try the following:1) turn off imessage (settings > messages)2) restart your phone (by pressing and holding the on/off button)3) tap settings > phone > my number and confirm that it is correct.4) if it is not correct, please enter the correct number5) turn imessage back to on (settings > messages)6) finally, go to settings > messages > send & receive and see if the correct number is displayed under “start new conversations from:”.for the coverage, it sounds like the coverage in your area isn’t as good. contracts purchased from us come with a 30-day change of mind, and 14-days via carphone warehouse.if you’re still in the returns window, we can help process a return.i’ll pm you anyway incase you wish to go through with this.mohammed Please refer to the following FAQ regarding your phone's unlocking :
  

  
<https://ccm.net/faq/1038-why-ccm-doesn-t-help-unlock-mobile-phones-smart-watches-or-sim-cards>
  

  
Regards