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

AirPods Pro Firmware Feature

Apple Releases New Firmware for AirPods Pro 2, AirPods Pro 3, and AirPods 4

Thursday November 13, 2025 11:35 am PST by
Apple today released new firmware designed for the AirPods Pro 3, the AirPods 4, and the prior-generation AirPods Pro 2. The AirPods Pro 3 firmware is 8B25, while the AirPods Pro 2 and AirPods 4 firmware is 8B21, all up from the prior 8A358 firmware released in October. There's no word on what's include in the updated firmware, but the AirPods Pro 2, AirPods 4 with ANC, and AirPods Pro 3...
CarPlay Pinned Messages

iOS 26.2 Adds New CarPlay Setting

Thursday November 13, 2025 6:48 am PST by
iOS 26 extended pinned conversations in the Messages app to CarPlay, for quick access to your most frequent chats. However, some drivers may prefer the classic view with a list of individual conversations only, and Apple now lets users choose. Apple released the second beta of iOS 26.2 this week, and it introduces a new CarPlay setting for turning off pinned conversations in the Messages...
Tesla Charging

Tesla Working to Add Apple CarPlay Support to Vehicles

Thursday November 13, 2025 8:31 am PST by
Tesla is working to add support for Apple CarPlay in its vehicles, Bloomberg's Mark Gurman reports. Tesla vehicles rely on its own infotainment software system, which integrates vehicle functions, navigation, music, web browsing, and more. The automaker has been an outlier in foregoing support for Apple CarPlay, which has otherwise become an industry standard feature, allowing users to...
tvOS 26 Profiles

tvOS 26.2 Adds a Useful New Feature to Your Apple TV

Friday November 14, 2025 10:02 am PST by
Starting with the upcoming tvOS 26.2 update, currently in beta, additional profiles created on the Apple TV no longer require their own Apple Account. In the Settings app on the Apple TV, under Profiles and Accounts, anyone can create a new profile by simply entering a name and indicating whether the profile is for a kid. The profile will be associated with the primary user's Apple Account,...
homepod mini thumb feature

New HomePod Mini, Apple TV, and AirTag Were Expected This Year — Where Are They?

Wednesday November 12, 2025 11:42 am PST by
While it was rumored that Apple planned to release new versions of the HomePod mini, Apple TV, and AirTag this year, it is no longer clear if that will still happen. Back in January, Bloomberg's Mark Gurman said Apple planned to release new HomePod mini and Apple TV models "toward the end of the year," while he at one point expected a new AirTag to launch "around the middle of 2025." Yet,...
iPhone Pocket Short

iPhone Pocket Now Available to Order, But Already Selling Out

Friday November 14, 2025 6:20 am PST by
Apple recently teamed up with Japanese fashion brand ISSEY MIYAKE to create the iPhone Pocket, a limited-edition knitted accessory designed to carry an iPhone. iPhone Pocket is available to order on Apple's online store starting today, in the United States, France, China, Italy, Japan, Singapore, South Korea, and the United Kingdom. However, it is already completely sold out in the United...
iOS 26

iOS 26.2 Available Next Month With These 8 New Features

Tuesday November 11, 2025 9:48 am PST by
Apple released the first iOS 26.2 beta last week. The upcoming update includes a handful of new features and changes on the iPhone, including a new Liquid Glass slider for the Lock Screen's clock, offline lyrics in Apple Music, and more. In a recent press release, Apple confirmed that iOS 26.2 will be released to all users in December, but it did not provide a specific release date....
m1 chip slide

Five Years of Apple Silicon: M1 to M5 Performance Comparison

Monday November 10, 2025 1:08 pm PST by
Today marks the fifth anniversary of the Apple silicon chip that replaced Intel chips in Apple's Mac lineup. The first Apple silicon chip, the M1, was unveiled on November 10, 2020. The M1 debuted in the MacBook Air, Mac mini, and 13-inch MacBook Pro. The M1 chip was impressive when it launched, featuring the "world's fastest CPU core" and industry-leading performance per watt, and it's only ...
iOS 26

Everything New in iOS 26.2 Beta 2

Wednesday November 12, 2025 3:29 pm PST by
Apple today provided developers with the second beta of iOS 26.2, which adds a few new features worth knowing about. Measure App Apple's Measure app now features a Liquid Glass design for the level, with two Liquid Glass bubbles instead of white circles. Games App There's now an option to sort games in the Games app Library by size, in addition to Name and Recent. CarPlay The...
iPhone 16e Feature

iPhone 16e Has Apparently 'Failed' Just Like iPhone Air

Thursday November 13, 2025 4:46 am PST by
Apple's entry-level iPhone 16e model is selling poorly, just like the iPhone Air, according to an Asia-based leaker. The Weibo user known as "Fixed Focus Digital" said that the iPhone 16e is not selling well and the attempt at delivering a popular, low-cost iPhone has "failed." That being said, both models are expected to see successors. The iPhone 17e is expected to debut in the spring of...

Top Rated Comments

sualpine Avatar
141 months ago
Legere for FCC Chairman.
Score: 43 Votes (Like | Disagree)
Paddle1 Avatar
141 months ago
T-mobile really tries to make a difference in the wireless industry.
Score: 38 Votes (Like | Disagree)
shenan1982 Avatar
141 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)
liavman Avatar
141 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)
WestonHarvey1 Avatar
141 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)
technosix Avatar
141 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)