This morning I called to upgrade my Samsung Phone and spoke with an associate named Paris. After a lengthy discussion, I settled on a phone and was preparing to order when Paris told me I would have to go through a "soft credit check" because I selected a monthly payment option. I told her I have been a Verizon customer for 20+ years and did not feel this was necessary since I have good credit and bills were always paid on time. I asked to speak to a supervisor and she told me that the supervisor would tell me the same thing. Fortunately, I was disconnected. I called back and the associate told me that a "soft credit check" was unnecessary. Unfortunately I had now been on the phone for an hour and a half and had to leave. I finally found a phone number to call and within the space of 20 minutes my order was placed. I have never experienced anything like this with Verizon before. Very insulting, time consuming and frustrating. All of the associates after Paris said they have never heard of a new policy regarding a "soft credit check".