- Credit Prequalification at Sparklight
What is a Social Security number?
A Social Security number (SSN) is a numerical identifier assigned to U.S. citizens and some permanent or temporary residents to track their income, credit score, and determine benefits.
I don't have a Social Security number; Can I still get service?
Yes. We can set up your services with a minimal deposit.
Why does Sparklight need to do a credit prequalification?
A credit prequalification is used to determine if there are any deposits required or special offers that might be available to you.
How long before I can have another credit prequalification?
We can run another prequalification in 6 months.
Can Sparklight do a credit prequalification on someone else in my household?
Yes. We can do a credit prequalification on two members of the household provided they are present and willing to be the primary account holder.
Can I get service without running my credit score?
Yes. However, you will be responsible for any applicable deposits or installation fees.
I do not have perfect credit, can I still get service from Sparklight?
Absolutely. A credit prequalification is simply done to determine if there are any deposits required or additional specials available to you.
- General Credit Score FAQ
What is a credit score?
A credit score is a number between 300–850 that depicts a consumer's creditworthiness. The higher the score, the better a borrower looks to potential lenders. A credit score is based on credit history: number of open accounts, total levels of debt, repayment history, and other factors. Lenders use credit scores to evaluate the probability that an individual will repay loans in a timely manner.
How is my score calculated?
FICO scores are calculated from a lot of different credit data in your credit report. You can visit MyFICO for further information.
Which credit bureau is used to pull my credit?
Sparklight uses TransUnion to obtain your credit report.
Isn't running my credit going to hurt my credit score?
No. The inquiry will not affect your credit score in any way. It's a soft inquiry that serves for purposes of preliminary screening.
Can you see the items on my credit report?
Where can I dispute my credit score?
Please contact TransUnion for guidance after obtaining a copy of your complimentary credit report.
Is not having a credit score bad? Should I obtain a credit card?
Not having a credit score 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 for guidance.
How can I improve my credit score?
In general, credit scores can be improved by paying all monthly obligations on time and using credit responsibly. Please follow the link to TransUnion to learn more about improving credit scores.