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Please explain what would be considered "financial obligations" and how can I found out if my phone is clean?

When a phone is financed it will not be clear for a new activation until completely paid off. The same will happen if carrier contracts are not fulfilled or if bills are left unpaid. Devices with outstanding financial obligations will be downgraded to lower condition categories and prices will be readjusted accordingly during evaluation. Please call your carrier to make sure there are no obligations and to request the device’s removal from your account.

What is "Carrier Blacklist"?

When a device is reported Lost or Stolen, carriers will share the phone’s identification through a database. Phones sent to us in that condition will be returned to the shipper or sent to law agencies upon request. 

What about "Account Locks"?

User accounts must be removed from devices to qualify for better paying grades. Please make sure they have been removed or choose between categories “Poor”, “Broken” or “No Power” according to the device’s condition. Please note user’s accounts can be removed remotely from any device as long as you have the  account’s username and password.