Why does Sparklight do a credit check? Do you have to do one? Which credit bureau do we use? All of your credit questions are answered below!

Q. Why does Sparklight need to do a credit prequalification?

A. A credit prequalification is used to determine if there are any deposits required or offers that might be available to you.

Q. I don't have perfect credit, can I still get service?

A. Absolutely. A credit prequalification is simply done to determine if there are any deposits required or additional specials available to you.

Q. Can I get service without running my credit score?

A. Yes. However, you will be responsible for any applicable deposits or installation fees.

Q. Isn't running my credit going to hurt my credit score?

A. No. The inquiry will not affect your credit score in any way. (It's a soft inquiry.)

Q. How long before I can have another credit prequalification?

A. We can run another prequalification in six months.

Q. Can Sparklight do a credit prequalification on someone else in my household?

A. Yes. We can do a credit prequalification on two members of the household provided they are present and willing to sign up as the account holder.

Q. Which credit bureau do you use to pull my credit?

A. Sparklight uses TransUnion Opens in new window to obtain your credit report.

Q. How is my score calculated?

A. FICO scores are calculated from a lot of different credit data in your credit report. You can visit MyFICO Opens in new window for further information.

Q. Can you see what items are on my credit report?

A. We do have access to your credit report, but you can request your credit report from TransUnion Opens in new window by contacting them at 1-800-888-4213 or on the web at TransUnion Opens in new window .

Q. Can you send me a copy of my credit report?

A. Please contact TransUnion Opens in new window for guidance after obtaining a copy of your complementary credit report.

Q. Where can I dispute my credit score?

A. Please contact TransUnion Opens in new window for guidance after obtaining a copy of your complementary credit report.

Q. Is not having a credit score bad? Should I go get a credit card?

A. It just means that the credit agency does not have any record of your activity. If you are interested in building up credit you may want to visit MyFICO Opens in new window for guidance.

Q. How can I improve my credit score?

A. In general, credit scores can be improved by paying all monthly obligations on time and using credit responsibly.