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Bill Me Later app declined for not being able to verify info?

Regular Contributor

Bill Me Later app declined for not being able to verify info?

I just tried to app for Bill Me Later and they came back with a "unable to authorize" because of my address, bday, or other personal information not matching my credit report? I checked everything 3 times. Checked my latest report from 2 weeks ago and didn't see any errors. 

 

EQ Fico is 740 with no baddies and 1 inq in the last 12 months. Any one have any idea about this? I called BML and they couldn't even find my application in their system. 

 

Also, I tried the transaction twice and am worried about 2 dings now. Smiley Sad 

Message 1 of 14
13 REPLIES
Frequent Contributor

Re: Bill Me Later app declined for not being able to verify info?

Do you have a fraud alert on your file? Regardless I would call them and recon you should be approved no problem.
EX FICO - 526 9/24/14 TU FICO - 555 9/25/14 EQ FICO - 625 9/26/14
BK Discharged 7/7/14

Credit One $300 $500 --- Capital One Quicksilver $300
Comenity/Motorola Credit $1,500 --- Comenity/JCrew $750 $950
Comenity/Sportsmans Guide Visa $2500
Message 2 of 14
Regular Contributor

Re: Bill Me Later app declined for not being able to verify info?


simi_go wrote:
Do you have a fraud alert on your file? Regardless I would call them and recon you should be approved no problem.

No fraud alert that I know of. They said I was supposed to receive an email with more details but have yet to receive it. Does BML have recon?

Message 3 of 14
Valued Contributor

Re: Bill Me Later app declined for not being able to verify info?

I wouldn't even worry with a BML account...its not even reported to the bureaus yet they HP your credit. Pass. Use a credit card and earn points on your purchases! Smiley Happy

As of 2017, rebuilding...
Message 4 of 14
Senior Contributor

Re: Bill Me Later app declined for not being able to verify info?

Dont worry. Although with that score I would of applied for PayPal Extras MC instead of BML

Discharged on 7/11/16
Gardening Since 12/01/2017
Message 5 of 14
Regular Contributor

Re: Bill Me Later app declined for not being able to verify info?


maiden_girl wrote:

I wouldn't even worry with a BML account...its not even reported to the bureaus yet they HP your credit. Pass. Use a credit card and earn points on your purchases! Smiley Happy


I was actually interested in the hidden TL for going "long" on a big purchase without blowing my util. If it falls through I will indeed go to my trusty Sapphire. 

Message 6 of 14
New Contributor

Re: Bill Me Later app declined for not being able to verify info?

Anytime I have ever tried to Apply for a Bill Me Later account in the last 3 years it has ALWAYS given me that exact same error. I never get a hard pull from them either. I guess there are just certain people they don't want and we are two of them. lol 

American Express Blue Sky- 14,000 | BOA 123 Rewards- 12,000 | Chase Freedom- 7,000 | Chase Saphire Preferred- 7,000 | Best Buy Store Card- 2,400 | Discover More- 1,900

In the garden until 06/2014!!
Message 7 of 14
Valued Contributor

Re: Bill Me Later app declined for not being able to verify info?

BML is awesome. I just used mine to buy wheels for my Z and 0 interest for 6 months and 0 payments for those 6 months and it doesnt report! What else could i ask for lol.
Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)
Message 8 of 14
Frequent Contributor

Re: Bill Me Later app declined for not being able to verify info?


jsickz32 wrote:
BML is awesome. I just used mine to buy wheels for my Z and 0 interest for 6 months and 0 payments for those 6 months and it doesnt report! What else could i ask for lol.

Agreed, I use this hidden TL for Christmas time purchases with %0 finance offers Smiley Happy

Start: Nov'12 EQ 699/EX 685/TU 696 / Current: April''14 EQ 715/EX 709/TU 709 * Goal 750+


Message 9 of 14
Valued Contributor

Re: Bill Me Later app declined for not being able to verify info?

@QAM
I usually pay mine off at the end of month 4 just so i can have 2 months cushion just incase they wanna screw me with the interest!
Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)
Message 10 of 14