If the phone was reported lost or stolen then the phone is blocked and basically a brick and unable to use on another carrier. I don't want to use it with another carrier though. I want to keep using t-mobile, I just don't know how to get it unlocked. Only my new phone shows up on find my phone or else I would unlock it on there. Although, just to point out, like I said, I bought it factory unlocked so it's not tied to any carrier but since I want to continue with t-mobile how do I get it unlocked? The phone is still on and it rings and has service since it's been getting paid even though it was stolen.
Why is everybody obsessed with the insurance company? What if you got a new phone after one was stolen, 6 months later miraculously get it returned to you but you can't remember the passcode to get in and it's not showing up on find my phone? Forget about the insurance company, focus on these questions, the phone was bought in full brand new unlocked off of eBay. T-mobile is simply service provider
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