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Valued Contributor
daisyduke
Posts: 1,320
Registered: ‎04-18-2009

Bloomingdales


So I apped for a Bloomies store card on Black Friday. I got the 800 number and called. Rep told me I was declined but didn't have the reason. OK, so I got my letter in the mail and the two reasons listed for rejection:

 

1.  Unable to verify my ID (I have FA's on my credit report) - I did call and verify my id, but it didn't help, they did not call me...

2.  Unable to verify information provided on application (they pulled EX so I have no idea what they were unable to verify)

 

Does it sound like I might have a shot at a recon?

My EX Plus FAKO is 708

 

TIA, any input. Happy Holidaze.


Starting Score: 682 EQ, 663 TU
Current Score: 687 EQ - 705 TU on 7/18/10
Goal Score: 700 + both EQ and TU


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Super Contributor
DI
Posts: 5,767
Registered: ‎01-28-2008

Re: Bloomingdales


daisyduke wrote:


So I apped for a Bloomies store card on Black Friday. I got the 800 number and called. Rep told me I was declined but didn't have the reason. OK, so I got my letter in the mail and the two reasons listed for rejection:

 

1.  Unable to verify my ID (I have FA's on my credit report) - I did call and verify my id, but it didn't help, they did not call me...

2.  Unable to verify information provided on application (they pulled EX so I have no idea what they were unable to verify)

 

Does it sound like I might have a shot at a recon?

My EX Plus FAKO is 708

 

TIA, any input. Happy Holidaze.


You may have a chance for approval during recon if those reasons are not bogus. 

Senior Contributor
creditwherecreditisdue
Posts: 4,923
Registered: ‎04-19-2009

Re: Bloomingdales


daisyduke wrote:


So I apped for a Bloomies store card on Black Friday. I got the 800 number and called. Rep told me I was declined but didn't have the reason. OK, so I got my letter in the mail and the two reasons listed for rejection:

 

1.  Unable to verify my ID (I have FA's on my credit report) - I did call and verify my id, but it didn't help, they did not call me...

2.  Unable to verify information provided on application (they pulled EX so I have no idea what they were unable to verify)

 

Does it sound like I might have a shot at a recon?

My EX Plus FAKO is 708

 

TIA, any input. Happy Holidaze.


All such denials must be recon'ed. I can't remember - do you have a Macy's card?

Valued Contributor
daisyduke
Posts: 1,320
Registered: ‎04-18-2009

Re: Bloomingdales

Hi CWCID, I applied for Macy's and got denied as well. I didn't recieve my letter yet, but they are the same issuer, DSNB...I can't believe i would not qualify for a store card. I have Nordstroms card

 

there is no phone number on this letter...

 

I am not sure if EX has my cell number included...I bet that's why both cards were not able to verify my id, I probably have an old number!!.

 

 


Starting Score: 682 EQ, 663 TU
Current Score: 687 EQ - 705 TU on 7/18/10
Goal Score: 700 + both EQ and TU


Take the FICO Fitness Challenge
Senior Contributor
creditwherecreditisdue
Posts: 4,923
Registered: ‎04-19-2009

Re: Bloomingdales

The two cards are very closely related. Try to get one of the app's fixed up before proceeding with the other. If one won't work the other will not either.
Valued Contributor
daisyduke
Posts: 1,320
Registered: ‎04-18-2009

Re: Bloomingdales

OK, I called the number for DSNB that was at the top of the reject letter, can't confirm identity....the rep asked me a series of identity questions, I got the card.

Starting Score: 682 EQ, 663 TU
Current Score: 687 EQ - 705 TU on 7/18/10
Goal Score: 700 + both EQ and TU


Take the FICO Fitness Challenge
Super Contributor
DI
Posts: 5,767
Registered: ‎01-28-2008

Re: Bloomingdales

Congrats!
Frequent Contributor
ladydi
Posts: 278
Registered: ‎10-17-2009

Re: Bloomingdales


daisyduke wrote:
OK, I called the number for DSNB that was at the top of the reject letter, can't confirm identity....the rep asked me a series of identity questions, I got the card.

 

welcome to the bloomingdales family, i have one  cl 1k....... :smileywink:
Valued Contributor
daisyduke
Posts: 1,320
Registered: ‎04-18-2009

Re: Bloomingdales

Thank you. I also got the Macy's card too. Just going to sd it for now, SD both of them, at least try to...I don't usually carry all of my cards in my wallet. I leave them at home because the mall is only a few minutes away from where I work. Temptation is like the devil.  . just trying to rebuild credit history and now that I have my auto loan, I'm willing to take the AAoA dings.....

Starting Score: 682 EQ, 663 TU
Current Score: 687 EQ - 705 TU on 7/18/10
Goal Score: 700 + both EQ and TU


Take the FICO Fitness Challenge
Frequent Contributor
ladydi
Posts: 278
Registered: ‎10-17-2009

Re: Bloomingdales


daisyduke wrote:
Thank you. I also got the Macy's card too. Just going to sd it for now, SD both of them, at least try to...I don't usually carry all of my cards in my wallet. I leave them at home because the mall is only a few minutes away from where I work. Temptation is like the devil.  . just trying to rebuild credit history and now that I have my auto loan, I'm willing to take the AAoA dings.....

 

congrats!, just be careful on the macy's, they love to do a CLD, been with them since 07 and still stuck with a cl $300 :smileysad:

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