Credit Card Center Advertiser Disclosure

New Contributor
Posts: 56
Registered: ‎11-29-2008
0 Kudos

Paypal Pay Later Hitch?

So I recently bought a camera via eBay, and upon checking out there was an offer from PayPal for "PayPal Pay Later". It's essentially a PayPal line of credit. However, after I put in all my information, I received a denial, and reasons weren't stated until i got the reason in my mailbox last night. It's reason for denial was "UNABLE TO VERIFY IDENTITY WITH INFORMATION PROVIDED WHEN YOU APPLIED", based off my Equifax credit report. I called GE Money, who are apparently the people giving the lines of credit, and they gave me a massive runaround after which they basically said "we have no idea who to send you for this because we don't have you on file". After calling PayPal, they said to call Equifax, which basically involves putting in a dispute on my credit report, problem with that is, there is nothing at all to dispute, there's nothing wrong and I have recently approved credit (last year) from a pull on my EQ. So, wasted inquiry and no idea how to go about getting it removed/dealt with, any ideas? Smiley Sad

Epic Contributor
Posts: 29,445
Registered: ‎10-23-2007
0 Kudos

Re: Paypal Pay Later Hitch?

GE sucks if you need to talk to them about issues, they have no idea.

Dispute the INQ with EQ. 

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.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* 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.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on 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.