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

samsung crease less foldable display ces 2026%402x

Foldable iPhone's Crease-Free Display Tech Spotted at CES 2026

Tuesday January 6, 2026 3:04 am PST by
CES 2026 has just provided a first glimpse of the folding display technology that Apple is expected to use in its upcoming foldable iPhone. At the event, Samsung Display briefly showcased its new crease-less foldable OLED panel beside a Galaxy Z Fold 7, and according to SamMobile, which saw the test booth before it was abruptly removed, the new panel "has no crease at all" in comparison. The ...
iphone 17 models

No iPhone 18 Launch This Year, Reports Suggest

Thursday January 1, 2026 8:43 am PST by
Apple is not expected to release a standard iPhone 18 model this year, according to a growing number of reports that suggest the company is planning a significant change to its long-standing annual iPhone launch cycle. Despite the immense success of the iPhone 17 in 2025, the iPhone 18 is not expected to arrive until the spring of 2027, leaving the iPhone 17 in the lineup as the latest...
Apple Card iPhone 16 Pro Feature

Apple Card Will Move From Goldman Sachs to JPMorgan Chase

Wednesday January 7, 2026 12:57 pm PST by
JPMorgan Chase has reached a deal to take over operation of the Apple Card, reports The Wall Street Journal. Barring any "last minute hiccups," the deal should be announced shortly after over a year of negotiations. Reports began circulating over two years ago that current Apple Card issuer Goldman Sachs was looking to end its partnership with Apple as part of an effort to scale back on...
AirPods Pro 3 Year of the Horse Feature

Apple Launches Year of the Horse AirPods Pro 3 for Lunar New Year

Monday January 5, 2026 11:28 am PST by
Apple has designed a limited edition version of the AirPods Pro 3 to celebrate Lunar New Year, and customers in select countries can purchase them starting today. The Year of the Horse Special Edition AirPods Pro 3 feature a unique horse emoji character that's otherwise unavailable. Customers in China, Hong Kong, Taiwan, Malaysia, and Singapore are able to buy the AirPods, and they'll be...
Logitech MX Master 3S

Logitech Blames 'Inexcusable Mistake' After Certificate Expiry Breaks macOS Apps

Wednesday January 7, 2026 5:27 am PST by
Logitech users on macOS found themselves locked out of their mouse customizations yesterday after the company let a security certificate expire, breaking both its Logi Options+ and G HUB configuration apps. Logitech devices like its MX Master series mice and MX Keys keyboards stopped working properly as a result of the oversight, with users unable to access their custom scrolling setup,...
ChatGPT Health Integration Connectors Feature

OpenAI Launches ChatGPT Health With Apple Health Integration

Wednesday January 7, 2026 11:27 am PST by
OpenAI today announced the launch of ChatGPT Health, a dedicated section of ChatGPT where users can ask health-related questions completely separated from their main ChatGPT experience. For more personalized responses, users can connect various health data services such as Apple Health, Function, MyFitnessPal, Weight Watchers, AllTrails, Instacart, and Peloton. Last month, MacRumors discovere...
m4 macbook air blue 2

iPadOS and macOS 26.2 Double 5GHz Wi-Fi Bandwidth for Wi-Fi 6E Devices

Monday January 5, 2026 1:57 pm PST by
With the release of iPadOS 26.2 and macOS Tahoe 26.2, Apple has improved the Wi-Fi speeds for select Macs and iPads that support Wi-Fi 6E. Updated Wi-Fi connectivity specifications are listed in Apple's platform deployment guide. The M4 iPad Pro models, M3 iPad Air models, A17 Pro iPad mini, M2 to M5 MacBook Pro models, M2, M3, and M4 MacBook Air models, and other Wi-Fi 6E Macs and iPads now ...
anker new charger 2026

Anker Introduces Pre-Order Discounts on 2026 Nano Chargers, Alongside Big New Year's Sale

Monday January 5, 2026 10:17 am PST by
Anker announced a new series of products at CES this week, and most of them will begin rolling out to customers later in January. A few of these devices, including the Nano Docking Station and 45W Nano Charger, have pre-order discounts on Anker's website, and we're also tracking big discounts in Anker's New Year's sale. Note: MacRumors is an affiliate partner with some of these vendors. When...

Top Rated Comments

sualpine Avatar
143 months ago
Legere for FCC Chairman.
Score: 43 Votes (Like | Disagree)
Paddle1 Avatar
143 months ago
T-mobile really tries to make a difference in the wireless industry.
Score: 38 Votes (Like | Disagree)
shenan1982 Avatar
143 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
143 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
143 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
143 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)