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Regular Contributor
weehoo
Posts: 157
Registered: ‎12-30-2013
0

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 - 38.5k | Fidelity Amex - 30k | Amex BCP - 24k | Discover It - 21k | PenFed Platinum Cash Rewards - 13.5k | Chase Freedom - 12k | Chase IHG - 10.6k | Merrill+ - 10k | GECRB Ebates Visa - 10k | US Bank Club Carlson - 10k | US Bank Cash+ - 8k | Overstock.com MC - 8k | Citi Dividends - 8.1k | Cap1 GM - 7.5k | Citi Double Cash - 7k | Amex Blue Cash - 5k | (2)Sallie Mae - 4k | (1)Sallie Mae - 3.3k | DCU Platinum Rewards - 5k | Delta Gold Amex - 5k | Sportsmans Guide Visa - 1.5k | American Express HHonors - 1k |
Senior Contributor
baller4life
Posts: 3,599
Registered: ‎09-13-2013
0

Re: Denied for BBVA Compass Clearpoints

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



GARDENING: 10/21/14 - 10/1/15 EQ: 644 EX: 688 TU: 709
MY WALLET: $10k NFCU CASH REWARDS|$10k BOA CASH REWARDS|$10k DINER'S CLUB PREMIER
$9k AMEX DELTA|$7.5k NFCU PLATINUM MC|$7k DISCOVER IT|$5k AMAZON|$5k WALMART
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Regular Contributor
weehoo
Posts: 157
Registered: ‎12-30-2013
0

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 - 38.5k | Fidelity Amex - 30k | Amex BCP - 24k | Discover It - 21k | PenFed Platinum Cash Rewards - 13.5k | Chase Freedom - 12k | Chase IHG - 10.6k | Merrill+ - 10k | GECRB Ebates Visa - 10k | US Bank Club Carlson - 10k | US Bank Cash+ - 8k | Overstock.com MC - 8k | Citi Dividends - 8.1k | Cap1 GM - 7.5k | Citi Double Cash - 7k | Amex Blue Cash - 5k | (2)Sallie Mae - 4k | (1)Sallie Mae - 3.3k | DCU Platinum Rewards - 5k | Delta Gold Amex - 5k | Sportsmans Guide Visa - 1.5k | American Express HHonors - 1k |
Valued Contributor
-Wade-
Posts: 12,589
Registered: ‎08-13-2013
0

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! 

Old user name newportguy*** Current Score: myFico EQ - 806 (04/04/2014) Discover TU Fico - 813 (09/02/2014) myFico EX - 804 ( 07/08/2014 ) ******* Amex - BCP 10 K * Discover - IT 10.5 K * U.S. Bank Cash + Visa Signature 8.8 K * PenFed - Cash Rewards 5 K * Amex - GDSM 5 K ****** FICO 800 Club Member ******* EQ 806 *** TU 813 *** EX 804 ***
****** Last HP & New TL was March 6th 2014 *** GOAL: No HP's or New TL's for 2 + years and 830's Scores ******
Valued Contributor
gdale6
Posts: 9,263
Registered: ‎12-13-2013
0

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

EX Cred Ses 08/14: 767 ; EX Fico 04 V2 06/14: 775; EX Fico 08 07/14 778 ; EX Fico 08 BC 07/14: 800
EQ Fico 05/14 781 ; EQ MPM 07/14: 721
TU Fico 8 07/14: 719; TU MPM 06/14 706
Established Contributor
efranklin23
Posts: 1,543
Registered: ‎11-14-2013
0

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. 

$13.5K$7K6K$15K$5K1K
$5K

EQ-659 TU-676 EX-705 (as of 8-15-14)
Established Contributor
xXIDaShizIXx
Posts: 516
Registered: ‎10-30-2013
0

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.


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