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I got turned down for a line of credit from Ethan Allen who goes throught GEMB. I have a call into GEMB
now to find out what happened? Is anyone else experiencing the same thing?
Fico scores as of 1-9-10 Transunion 737
Equifax 726
Experian ???
Utilization ratio 5.2% BK filed July 2005 Still have Four (4) negatives. Haven't missed a payment of any kind
since July 2005. I'm puzzled to say the least!!
Yes! I'm on GEMB's endanger to it's business list. I settled a lawsuit with them in 2005 for violation of the FCRA and FDCPA. I carry no GEMB products anymore.
I have many GEMB accounts and have never experienced any problems with them to date.
RozBuds
@tommiej7533 wrote:I got turned down for a line of credit from Ethan Allen who goes throught GEMB. I have a call into GEMB
now to find out what happened? Is anyone else experiencing the same thing?
Fico scores as of 1-9-10 Transunion 737
Equifax 726
Experian ???
Utilization ratio 5.2% BK filed July 2005 Still have Four (4) negatives. Haven't missed a payment of any kind
since July 2005. I'm puzzled to say the least!!
I bought some patio furniture and an office desk from Ethan Allen in April 2009. They had a 0% interest rate deal for 12 months so I applied for an Ethan Allen account in the store and got $20,000 instant approval with a similar utilization as you, about 5%. It sounds like GEMB doesn't like your past BK. See what they say as to the reason for the turn down. Ethan Allen is the only GEMB account I've ever had and so far the accounting and payment crediting has been fine, no problems whatsoever.
Ethan Allen has had a couple of rough quarters and they may have toughened up their lending standards so it may not have anything to do with GEMB who is just servicing the plan for EA. How much CL were you seeking?
@DI wrote:Yes! I'm on GEMB's endanger to it's business list. I settled a lawsuit with them in 2005 for violation of the FCRA and FDCPA. I carry no GEMB products anymore.
If I may ask, what did they violate?
I was asking for a credit line of approximately $4,000. I still have a call in for them! As someone mentioned earlier I may have had
an GEMB account that was part of my BK. Maybe a little bit of black listing here?
Thanks for your reply!