04-11-2009 09:24 PM - edited 04-11-2009 09:25 PM
This does not mean no cause my brother applied for a Reeds card and got the same message of 5-7 Days and the next day at work he got a call wanting to verfy some info then he was given a $2200 Credit Line. The next thing he applied (American TV wfnnb) for was an instant
I would Call Monday as said earlier...
04-11-2009 09:43 PM
04-14-2009 06:35 PM
04-14-2009 08:08 PM
04-18-2009 04:19 PM
um I am confused as to their resopnse for the card I applied for.
The reasons for denial are
WTH? I dont have my EX frozen. In fact WFNNB pulled a soft the next day (after pulling a hard for the store) and gave me $500 for Spiegal. I dont have a "fraud alert" on my report. And if they could not verify/validate with bureaus, how the hell do they know I have a high percentage of bankcard trades? As far as EX is listed I only have 3 open cards. The rest are closed with $0 balances. Something stinks with this letter.
04-18-2009 04:24 PM
Do you have an account with WFNNB? frozen CR does not stop soft pulls of existing accounts.
I would definitely look into it. Have you disputed anything with the CRA's lately?
04-18-2009 04:27 PM
Do you have an account with WFNNB? I got one the next day w/Spiegal. Other than that, when I applied for Store card I had no account with them..
frozen CR does not stop soft pulls of existing accounts. My reports are not frozen though.
I would definitely look into it. Have you disputed anything with the CRA's lately? I have. I have gotten a few deletions on EQ, but they pull EX.
04-18-2009 05:32 PM
Sometimes a dispute can cause the creditor to notify CRA's of potential fraud alert. Examples:
1. If you contacted a company disputing permissible purpose / inquiry....this represents potentially that somebody falsely attempted to use your ID for credit.
2. If you dispute parts of an account, such as balance or other details that could make the creditor feel inclinded of potential fraudulent use.
04-18-2009 05:57 PM
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.