Applied for venture last night around 11:40 PM PST, instantly denied?? 760+ on all three CR (Fico8) utilization below 5%, no derogatory at all....
What gives?! The only thing I can think of is how I have Security freezes on all my CR... but I received no call just a flat denial.
What gives?! The only thing I can think of is how I have Security freezes on all my CR... but I received no call just a flat denial.
I think that's the reason, in my opinion.
Edit: image.
@Creditplz wrote:
Applied for venture last night around 11:40 PM PST, instantly denied?? 760+ on all three CR (Fico8) utilization below 5%, no derogatory at all....
What gives?! The only thing I can think of is how I have Security freezes on all my CR... but I received no call just a flat denial.
I'm sorry for the denial but to me applying for a CapOne card with all 3 CRAs frozen makes no sense. I'm sure you know that they pull all 3. Should have just taken the freeze off yourself prior to applying and then put the freezes back on after a decision. Not sure what you were expecting.
@Anonymous wrote:
@Creditplz wrote:
Applied for venture last night around 11:40 PM PST, instantly denied?? 760+ on all three CR (Fico8) utilization below 5%, no derogatory at all....
What gives?! The only thing I can think of is how I have Security freezes on all my CR... but I received no call just a flat denial.I'm sorry for the denial but to me applying for a CapOne card with all 3 CRAs frozen makes no sense. I'm sure you know that they pull all 3. Should have just taken the freeze off yourself prior to applying and then put the freezes back on after a decision. Not sure what you were expecting.
+1
@Anonymous wrote:
@Creditplz wrote:
Applied for venture last night around 11:40 PM PST, instantly denied?? 760+ on all three CR (Fico8) utilization below 5%, no derogatory at all....
What gives?! The only thing I can think of is how I have Security freezes on all my CR... but I received no call just a flat denial.I'm sorry for the denial but to me applying for a CapOne card with all 3 CRAs frozen makes no sense. I'm sure you know that they pull all 3. Should have just taken the freeze off yourself prior to applying and then put the freezes back on after a decision. Not sure what you were expecting.
+1 cap one isnt a company to say please unfreeze x and y bureau.. Sounds like you were trying to avoid a triple pull and expected them to sasy unfreeze X CRA for a single pull.. Cap1 doesn't play that way.
Sorry for the confusion... I have a ID fraud alert meaning they have to verify it was me that applied, they pulled my CR cause I just pulled my CCT and all three had the HP dated 03/25. On the Fraud alert it says :
"#HK#EFCRA EXTENDED FRAUD ALERT: ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACC.
OUNT. CONTACT CONSUMER AT (xxx)xxx-xxxx."
Wasn't trying to avoid a HP 
, Citi called to verify it was me using the number on the Fraud alert
@Creditplz wrote:Sorry for the confusion... I have a ID fraud alert meaning they have to verify it was me that applied, they pulled my CR cause I just pulled my CCT and all three had the HP dated 03/25. On the Fraud alert it says :
"#HK#EFCRA EXTENDED FRAUD ALERT: ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACC.
OUNT. CONTACT CONSUMER AT (xxx)xxx-xxxx."
Wasn't trying to avoid a HP
Call Cap1 and explain.
@Creditplz wrote:Sorry for the confusion... I have a ID fraud alert meaning they have to verify it was me that applied, they pulled my CR cause I just pulled my CCT and all three had the HP dated 03/25. On the Fraud alert it says :
"#HK#EFCRA EXTENDED FRAUD ALERT: ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACC.
OUNT. CONTACT CONSUMER AT (xxx)xxx-xxxx."
Wasn't trying to avoid a HP
Yes, certainly different than what we thought from your first post. Just follow the advice from donny10 and call them.
@Anonymous wrote:
@Creditplz wrote:
Applied for venture last night around 11:40 PM PST, instantly denied?? 760+ on all three CR (Fico8) utilization below 5%, no derogatory at all....
What gives?! The only thing I can think of is how I have Security freezes on all my CR... but I received no call just a flat denial.I'm sorry for the denial but to me applying for a CapOne card with all 3 CRAs frozen makes no sense. I'm sure you know that they pull all 3. Should have just taken the freeze off yourself prior to applying and then put the freezes back on after a decision. Not sure what you were expecting.
Ditto!