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Regular Contributor
Posts: 210
Registered: ‎12-30-2013
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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. 

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Senior Contributor
Posts: 4,472
Registered: ‎09-13-2013
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Re: Denied for BBVA Compass Clearpoints

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



Just say no to a ton of low limit SCT cards. Quality over quantity!
Regular Contributor
Posts: 210
Registered: ‎12-30-2013
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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 | Ritz Carlton - $30k | Amex BCP - 24k | Discover It - 23k | Southwest Premier - 17k |Citi Double Cash - 14k | PenFed Platinum Cash Rewards - 13.5k | Chase Freedom - 12k | Discover Miles - 12k | Chase IHG - 10.6k | Merrill+ - 10k | GECRB Ebates Visa - 10k | NMEFCU Rewards - 10k | US Bank Club Carlson - 10k | Golden1 Rewards - $10k | US Bank Cash+ - 8k | Citi Dividends - 8.1k | (2)Sallie Mae - 7.3kk | (1)Sallie Mae - 3.3k | DCU Platinum Rewards - 5k | Lowes - 3k | American Express HHonors - 1k |
Valued Contributor
Posts: 12,898
Registered: ‎08-13-2013
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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 - 813 (01/14/2015) Discover TU Fico - 809 (02/04/2015) EX Fico - 809 ( 02/04/2015 ) ******* 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 813 *** TU 809 *** EX 809 ***
****** Last HP & New TL was March 6th 2014 *** GOAL: No HP's or New TL's for 2 + years and 830's Scores ******
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Valued Contributor
Posts: 13,402
Registered: ‎12-13-2013
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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 Sesame 02/15: 766 (+1) ; EX Fico 04 V2 06/14: 775; EX Fico 08 BC 02/15: 797 (-42)
EQ Beacon 5.0 12/14 757
TU Fico 8 02/15: 754 (-51)
Valued Contributor
Posts: 1,554
Registered: ‎11-14-2013
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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
Posts: 563
Registered: ‎10-30-2013
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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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