Reply
Community Leader
Valued Contributor
Posts: 1,408
Registered: ‎07-12-2011
0

Re: Denied by US Bank due to Advanced Resolution Services decision?


thelizardking69k wrote:

I was recently approved for a US Bank CC and I was so pleased with the limit I got the app itch and tried for another, but even with a 771 I got declined. So I called to ask for a recon and was told the decision was made by Advanced Resolution Services and I should speak with them. I called them and they said they don't make approval or denial decisions so they can't recon. All they can do is send me a copy of their report so I can check it for accuracy after I send in a long list of required documents.

What gives? If they don't make the decision, can I just try US Bank again? This seems ridiculous. But I don't want to waste a hard inquiry, especially when I know I meet their actual guidelines for approval.


Hey thelizardking69k!

just curious.  Did they pull any other CRA report too or just ARS?  If so, which one?  I'm sorry to hear about the denial again!  Sucks!


Starting Score: 642
Current Score: EQ 773, EX 780, TU 777 (All FICO)
Goal Score: 800+

Cards: NFCU Flagship 50K, DC 30K, BCP 28.6K, Arrival+ 25K, Citi DP 22.8K, CSP 20.5K, TotalRewards 20.5K, QuickSilver 20K

Established Contributor
Posts: 560
Registered: ‎09-29-2012
0

Re: Denied by US Bank due to Advanced Resolution Services decision?



Hey thelizardking69k!

just curious.  Did they pull any other CRA report too or just ARS?  If so, which one?  I'm sorry to hear about the denial again!  Sucks!


+1

 

Did they?

 

 

It would seem that a big bank like US Bank would pull a CR from the majors.  Not some 3rd rate "ARS" thing that nobody's ever heard of.

Valued Contributor
Posts: 2,512
Registered: ‎11-11-2010
0

Re: Denied by US Bank due to Advanced Resolution Services decision?

[ Edited ]

ccnewcc wrote:

It would seem that a big bank like US Bank would pull a CR from the majors.  Not some 3rd rate "ARS" thing that nobody's ever heard of.


Of course they pulled a major CR. For me it was EQ.

In My Wallet:
Citi Forward (12/2010) | Citi Dividend (05/2011) | Chase Freedom (11/2011) | GECRB/PayPal (05/2012)
Discover it (07/2012) | AMEX BCP (09/2012) | TD/Target REDCard (10/2012) | Chase Ink Classic (11/2012)
BofA BBR (04/2013) | FNBO/Overstock.com (02/2014) | Barclaycard Arrival (04/2014) | FIA/Fidelity AMEX (04/2014)
New Member
Posts: 10
Registered: ‎11-09-2012
0

Re: Denied by US Bank due to Advanced Resolution Services decision?

[ Edited ]

They pulled Experian for me, then ARS for some reason.

It doesn't look as though they did a second hard inquiry for the second application. The denial letter they sent indicated my score from Experian was 771 on 10/10, which was the date of the application for the first card. Maybe they went to ARS after the second application. I'm not sure.

Valued Contributor
Posts: 2,512
Registered: ‎11-11-2010
0

Re: Denied by US Bank due to Advanced Resolution Services decision?


thelizardking69k wrote:

They pulled Experian for me, then ARS for some reason.

It doesn't look as though they did a second hard inquiry for the second application. The denial letter they sent indicated my score from Experian was 771 on 10/10, which was the date of the application for the first card. Maybe they went to ARS after the second application. I'm not sure.


They pull ARS for everyone as far as I can tell. It is common for a lender to use multiple CRs during an application.

 

In My Wallet:
Citi Forward (12/2010) | Citi Dividend (05/2011) | Chase Freedom (11/2011) | GECRB/PayPal (05/2012)
Discover it (07/2012) | AMEX BCP (09/2012) | TD/Target REDCard (10/2012) | Chase Ink Classic (11/2012)
BofA BBR (04/2013) | FNBO/Overstock.com (02/2014) | Barclaycard Arrival (04/2014) | FIA/Fidelity AMEX (04/2014)
New Member
Posts: 10
Registered: ‎11-09-2012
0

Re: Denied by US Bank due to Advanced Resolution Services decision? *Update*

When I asked for the recon and was denied for the second time I just let it go, but a few weeks passed and suddenly a new account just popped up on my online banking. I called to make sure it wasn't a mistake on their part and sure enough, I got the second card after all with an equal limit to the first. I don't get it, but I'll take it.

 

Blogger
Posts: 3,360
Registered: ‎10-19-2012
0

Re: Denied by US Bank due to Advanced Resolution Services decision? *Update*


thelizardking69k wrote:

When I asked for the recon and was denied for the second time I just let it go, but a few weeks passed and suddenly a new account just popped up on my online banking. I called to make sure it wasn't a mistake on their part and sure enough, I got the second card after all with an equal limit to the first. I don't get it, but I'll take it.

 


They gave you two cards of the same type? That's hilarious. Congratulations by the way! Smiley Happy

Highlighted
Established Contributor
Posts: 643
Registered: ‎09-18-2011
0

Re: Denied by US Bank due to Advanced Resolution Services decision? *Update*

wow, that is awesome!!!! Congrats!!!

 

I am curious, how much credit limit did they give you?


Starting Score: EQ=665,TU=618 on Oct 9,2010
EQ=702,TU=725 on Apr 11, 2012 EQ=705 on Oct 31, 2012 Current Score: EQ=702, TU=714 on Dec 8, 2012
Goal Score: 750

Take the FICO Fitness Challenge
Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

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.