We investigate the BER performance of turbo coded MIMO–CDMA system using polarization diversity for DL transmission. Performance is analyzed using MMSE/OSIC algorithm when communicating over SUI and LTE channel models specifications. BER Performance of turbo -coded MIMO system is compared with uncoded system and Found that coded system provides superior performance. Our considered coded triply-Polarized MIMO–CDMA system achieves higher data rate with reduced size of Mobile unit.