Skip to Content

T-Mobile's 'Smartphone Equality' Program Ends Credit Score Requirement for Loyal Paying Customers

T-Mobile today announced a new program that makes it easier for customers with poor credit to receive discount pricing on devices and other deals previously only available to credit-worthy customers. CEO John Legere kicked off the new "Smartphone Equality" promotion with a video blog that explains the rationale behind the program.


Legere notes that half of Americans do not qualify for most carrier-advertised phone deals due to poor credit or a lack of credit history, and T-Mobile aims to change that by "putting our relationship with you above some number pumped out by a credit bureau, some huge faceless bureaucracy."

With its new "Smartphone Equality" program, T-Mobile is emphasizing the customer's relationship with the carrier instead of their credit score. As part of the initiative, customers who have paid their wireless bill on time for 12 months will be eligible for discounted pricing, including the carrier's popular zero down and no credit check programs. The "Smartphone Equality" program will be available starting next week to eligible customers.

T-Mobile has been shaking up the cellular industry with its ongoing Un-carrier promotions, which broke new ground by removing the cellular contract from a smartphone purchase and offering generous early termination bonuses for customers who switch to T-Mobile. Recently, the wireless carrier introduced its Un-carrier 8 initiative, which includes a new "Data Stash" program that rolls over unused monthly data and makes it available for the following 12 months.

Popular Stories

Apple Event Logo

Apple Released Seven New Products Today

Wednesday March 11, 2026 7:05 am PDT by
Starting today, the seven new Apple products that were announced last week are available at Apple Stores and beginning to arrive to customers. The colorful MacBook Neo and all of the other new products are on display at most Apple Store locations around the world starting today. Apple Stores have inventory of the new products for both walk-in customers and Apple Store pickup, but...
ios 26 4 yellow

Everything New in iOS 26.4 Beta 4

Monday March 9, 2026 3:50 pm PDT by
Apple is continuing to test the iOS 26.4 beta, and the latest update is now available for developers and public beta testers. As testing goes on, there are fewer new features in each beta, but today’s release adds new emoji characters and a few other changes. New Emoji Apple added new emoji characters, including trombone, treasure chest, distorted face, hairy creature, fight cloud, orca,...
Apple MacBook Pro M4 hero

Apple Planning 'MacBook Ultra' With Touchscreen and Higher Price

Sunday March 8, 2026 8:05 am PDT by
Apple is planning to launch an all-new "MacBook Ultra" model this year, featuring an OLED display, touchscreen, and a higher price point, Bloomberg's Mark Gurman reports. Gurman revealed the information in his latest "Power On" newsletter. While Apple has been widely expected to launch new M6-series MacBook Pro models with OLED displays, touchscreen functionality, and a new, thinner design...

Top Rated Comments

sualpine Avatar
145 months ago
Legere for FCC Chairman.
Score: 43 Votes (Like | Disagree)
145 months ago
T-mobile really tries to make a difference in the wireless industry.
Score: 38 Votes (Like | Disagree)
shenan1982 Avatar
145 months ago
I applaud their move (as will most since as he says, most americans don't have great credit)... but the key is will this add the type of subscribers they want? We'll see. It didn't go well for Sprint back in 1999-2000 when they did the "no credit, no problem" promotion and took everyone and anyone. Time will tell I suppose. But then again, back then if you talked all day and all night, you'd have a $5,000 bill... today if you do the same thing your bill is going to be $50 still. In a world where cell phones have become less of a spend than most people spend in Starbucks, I suppose this makes sense... and with no overages, no international roaming charges, etc... there's really very little risk to TMO.

Ok, in one paragraph I went from opposition to support, haha. Thanks for joining me in my thought process, hehe
Score: 15 Votes (Like | Disagree)
145 months ago
I love this guy.

One of the weirdest and punitive thing about U.S. credit system is, even if you are keeping your credit card payments on time, if for whatever reason your credit score drops, these credit card companies will increase the interest rate on those credit card payments, on the existing balances. This causes these people to pay more on interest which causes more financial hardship and they fall further behind which reduces the credit score even more and on and on.

I am glad T-Mobile dude is doing something about that by putting his relationship with his customers at a higher priority than whatever this customer may or may not have done with other aspects of their financial life.

Kudos! Hope it all works out for him and hopefully it will encourage others especially the banks to change the brain dead process they currently have.
Score: 14 Votes (Like | Disagree)
145 months ago
A bit melodramatic. They're still more than happy to trust those "huge faceless bureaucracies" when they're assessing new customers.

As they should. It's the only tool they have to assess new customers. But they're not letting that be the end all and be all, which is great.

----------

That's great, but what happens when half of these subscribers can't pay their mobile bills?? T-Mobile taking it on the chin like a champ. :eek:

They've looked at their own data and found that won't be the case.
Score: 10 Votes (Like | Disagree)
145 months ago
T-mobile really tries to make a difference in the wireless industry.

Yes they do.

It's a refreshing change and one that's paying off for them. :)
Score: 9 Votes (Like | Disagree)