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Denied for BBVA Compass Clearpoints

Frequent Contributor

Denied for BBVA Compass Clearpoints

I thought they pulled TU, had my EQ and EX frozen.  Denied since they tried to pull from EQ instead.  Strange.  I show no HPs from last week on my TU either. 

Citi AAdvantage WE - 41k | Chase Hyatt - 33k | Amex SPG - 23k | Citi Double Cash - 19 .5k | BBVA Compass NBA WARRIORS - 20k | Southwest Premier - 17k | Hawaiian Airlines - 14k | Discover Miles - 23k | Discover It - 18.7k | Chase IHG - 10.6k | Merrill+ - 10k | Amex BCP - 9k | GECRB Ebates Visa - 10k | Nusenda - 12k | US Bank Club Carlson - 10k | US Bank Cash+ - 8k | Golden1 Rewards - $10k | (2)Sallie Mae - 7.3k | (1)Sallie Mae - 4.3k
Message 1 of 7
6 REPLIES
Community Leader
Super Contributor

Re: Denied for BBVA Compass Clearpoints

That is weird since they have been known to pull TU exclusively!

Message 2 of 7
Frequent Contributor

Re: Denied for BBVA Compass Clearpoints

Yea. He kept telling me on the phone to call EQ and ask for there denial reason.   I told him it was frozen and thats why.  And asked why he didn't pull TU, and he said he didnt know why but to call EQ and ask for denial reason.  Its no mystery if the report is frozen.

 

I have never had any banking relationship or other credit cards with Compass.  Also i am located in Northern CA, if possibly that may be a reason they pull EQ?

Citi AAdvantage WE - 41k | Chase Hyatt - 33k | Amex SPG - 23k | Citi Double Cash - 19 .5k | BBVA Compass NBA WARRIORS - 20k | Southwest Premier - 17k | Hawaiian Airlines - 14k | Discover Miles - 23k | Discover It - 18.7k | Chase IHG - 10.6k | Merrill+ - 10k | Amex BCP - 9k | GECRB Ebates Visa - 10k | Nusenda - 12k | US Bank Club Carlson - 10k | US Bank Cash+ - 8k | Golden1 Rewards - $10k | (2)Sallie Mae - 7.3k | (1)Sallie Mae - 4.3k
Message 3 of 7
Valued Contributor

Re: Denied for BBVA Compass Clearpoints


weehoo wrote:

I thought they pulled TU, had my EQ and EX frozen.  Denied since they tried to pull from EQ instead.  Strange.  I show no HPs from last week on my TU either. 


Sorry for the denied! When IOU apply for a new card you been to have all your reports unfroozen! 

"Garden Club Member " Old user name newportguy*** Current Score: myFico EQ - 830 (07/16/2015) Discover TU Fico - 833 (09/03/2016) EX Fico - 839 ( 09/01/2016 ) ******* Amex - BCP 11.5K * Discover - IT 43.5 K * U.S. Bank Cash + Visa Signature 15.3 K * PenFed - Cash Rewards 15K *PenFed Power Cash 19K ** Amex - GDSM 10K ******FICO 800 Club Member ******* EQ 830 *** TU 833 *** EX 839 ***
****** Last HP & New TL was March 6th 2014 *** GOAL: No HP's or New TL's for 2 + years and 840's Scores ******
Message 4 of 7
Moderator

Re: Denied for BBVA Compass Clearpoints

Call the credit dept of BBVA Compass, ask for a credit analyist, when you get one ask that they pull TUinstead of EQ. There is 50-50 chance they will,good luck

"If there's a lack of money in your life, understand that feeling worried, envious, jealous, disappointed, discouraged, doubtful or fearful about money can never bring more money to you, because those feelings come from a lack of gratitude for the money you have."

"Reactions are powerful creators because they contain every element needed to manifest—they're a combination of thought, belief, and feeling in action. Positive reactions create more positive things, and negative reactions create more negative things. If you can respond to negative situations calmly and lightly, instead of with emotional turbulence, what happens next in your life will be so much better."

- Rhonda Byrne
Message 5 of 7
Valued Contributor

Re: Denied for BBVA Compass Clearpoints


weehoo wrote:

I thought they pulled TU, had my EQ and EX frozen.  Denied since they tried to pull from EQ instead.  Strange.  I show no HPs from last week on my TU either. 


As a point of advice, lenders are known to switch CB they pull from time to time which is why you should have all of your account unfrozed when pulling credit. 

AMEX BCE (30K), DISCOVER IT (29.5K), NFCU CASH REWARDS (25K), BOA TRAVEL REWARDS (15K), USAA VISA (13K), CHASE SAPPHIRE RESERVE (13K), COMMENCE MASTERCARD (7.5K), CHASE FREEDOM (7K), CHASE FREEDOM (7K), TFCU CC (2.5K), TARGET REDCARD (900)
Message 6 of 7
Highlighted
Established Contributor

Re: Denied for BBVA Compass Clearpoints


efranklin23 wrote:

weehoo wrote:

I thought they pulled TU, had my EQ and EX frozen.  Denied since they tried to pull from EQ instead.  Strange.  I show no HPs from last week on my TU either. 


As a point of advice, lenders are known to switch CB they pull from time to time which is why you should have all of your account unfrozed when pulling credit. 


Then again, I bank with them and its hard to get approved with them for freaking anything, regardless of your credit score and history.

Bank of America Cash Rewards: $32k; Capital One Venture: $21.2k; Care Credit: $18.2k; Discover IT Miles: $7.6k; Chase Freedom: $7.5k; Chase Freedom Unlimited: $7.5k; Barclaycard Rewards: $6.7k; Citi DC: $6.2k; Chase Slate: $5k; Ashley Furniture: $10k; Car Care One: $10k; AMEX BCE: $3,000; AMEX BS: $2,000.
Message 7 of 7