11-07-2012 07:35 AM
I am new to this community. I have BOA power rewards card for about 3 years now with $900 CL(Yeh never really asked for CLI). My Equifax score is 675 and transunion is 685(sucks), i applied yesterday for a chase freedom and received the 7-10 days wait thing.
So I called the backdoor number and they gave me the reasons for denail saying delinquencies and low credit limit and stuff. I gave them some reasons and the person put me on hold and told me that they woule need address verification and SSN verification which I faxed over asap.
I called today and the guy said it would take 2 weeks to process this information which is strange because the first lady said that I should call in 24-48 hrs. What do you guys think? Should I wait for 2 weeks or call in again and say what?
MAN i really need this card lol!!!
11-07-2012 10:07 PM - last edited on 11-13-2012 01:03 PM by KaLin
I would call again. All they needed was a utility bill and s.s.card. That doesn't take 2 weeks. Get a different person on the phone.
11-07-2012 10:16 PM - last edited on 11-13-2012 01:04 PM by KaLin
11-08-2012 06:53 AM
I called them again and this time the person said that I already called them a couple of hours ago and it would take 5 days to get the records on file. I will probably not wait for 5 days, maybe call in tomorrow and see whats the update.
And yes I 'want' the card. I have a 65K Salary and haven't really given creadit cards too much emphasis. I was mainly relying on my debit card. But I realized that it will be important to get an increase in credit limits and new cards. I have a delinquency on my credit history which I am currently disputing. Keeping my fingers crossed!
11-08-2012 07:28 AM
Well I justed called about the docs I faxed over. Yes they got them with took 6 days to get. I know it doesnt take 6 days to get a darn fax but anyway. They claim the fax is readable but to dark. What? Seriously? If its to dark it shouldnt be readable in my opinion. So they gave me there mailing address to send it to. Overnight and cerified mail it to go today.
Hopefully you dont have the same issues Im having
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.† 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.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
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.