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Wells Fargo app

Regular Contributor

Wells Fargo app

Morning all!  I app'd for a card with them last night and got the "we need to verify a few pieces of information before we can give you a credit decision" message.  I'm not sure what they need to verify because there's no baddies or anything on any of my reports.  Is it worth it to call the backdoor number and speak with a credit analyst or do I need to wait?

Thanks.


Starting Score: TU: 663 EQ: 632 EX: ?
Current Score: TU: 721 (12/02/12) EQ: 704 (12/2012 via SW) EX: 712 (11/19/12 via Amex)
Goal Score: 700 (ALL)


Take the FICO Fitness Challenge
Message 1 of 24
23 REPLIES
Valued Member

Re: Wells Fargo app

Go ahead and call, they probably just need to verify address or income.
Message 2 of 24
Super Contributor

Re: Wells Fargo app

Definitely call up. That usually means they're trying to verify your identity.
Message 3 of 24
Frequent Contributor

Re: Wells Fargo app

When I applied with them I got the same EXACT message. I called the number on the message screen and ended up getting approved.... CALL EM !   Smiley Happy

TU-721 (MortgagePull) EQ- 697(MortgagePull ) EXP 693(MortgagePull) FWEB 24,2015
My Wallet : Dicover More 35,500 CL -Amex Zync NPSL -WellsFargoRewards4800 - -CapOne 3000CL -GEMBWalMart 5000CL - Zales 4000CL-Kays 2900--Macys 5000CL /SSFCU 5000CL / CitiBank Diamond Pref 15000CL - CHASE Freedom 13500CL -Lowes 10,000 CL - BBuyStoreCard 10,000CL Sears Store Card (Citi) 3000 - Firestone CFNB 1400 Toyota Financial $35,000 Auto -2200DiscountTire(GECRB) Citi TY Preferred 8100CL - Chase Slate$4000-BofA15000-ToyotaRewardsVisa$10,700 -BofA$8500 AMEX BCE 9,500
Message 4 of 24
Regular Contributor

Re: Wells Fargo app

+1 give them a call
Message 5 of 24
Valued Contributor

Re: Wells Fargo app

Call them now buddie


Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK, United MP,
Goal Score: 800


Walmart: 10k |Usaa: 8k|BCE: 13k| Amex: NSPL|Dis: 9.4k|Cap: 5.5k|CAP: 2k|CSP: 13.4k| Pen:4.5k

Message 6 of 24
Valued Contributor

Re: Wells Fargo app

Let us know how it goes. Looks like you are a phone call away from approval!

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 832 EX 783 TU 816
App free since 9/15/15
Message 7 of 24
Regular Contributor

Re: Wells Fargo app

Is 866-677-1128 (from the backdoor list) I should call?


Starting Score: TU: 663 EQ: 632 EX: ?
Current Score: TU: 721 (12/02/12) EQ: 704 (12/2012 via SW) EX: 712 (11/19/12 via Amex)
Goal Score: 700 (ALL)


Take the FICO Fitness Challenge
Message 8 of 24
Frequent Contributor

Re: Wells Fargo app

I will call whatever the number is taht was on the notification letter.........

TU-721 (MortgagePull) EQ- 697(MortgagePull ) EXP 693(MortgagePull) FWEB 24,2015
My Wallet : Dicover More 35,500 CL -Amex Zync NPSL -WellsFargoRewards4800 - -CapOne 3000CL -GEMBWalMart 5000CL - Zales 4000CL-Kays 2900--Macys 5000CL /SSFCU 5000CL / CitiBank Diamond Pref 15000CL - CHASE Freedom 13500CL -Lowes 10,000 CL - BBuyStoreCard 10,000CL Sears Store Card (Citi) 3000 - Firestone CFNB 1400 Toyota Financial $35,000 Auto -2200DiscountTire(GECRB) Citi TY Preferred 8100CL - Chase Slate$4000-BofA15000-ToyotaRewardsVisa$10,700 -BofA$8500 AMEX BCE 9,500
Message 9 of 24
Regular Contributor

Re: Wells Fargo app

Finally got a response via the automated system since I didn't get anywhere with the people in the credit dept.  I was declined because "lack of or insufficient duration of relationship with Wells Fargo".  Never heard of such thing.  Is this worth a call to their executive office and would I actually get anywhere doing so?  Although I don't currently have any accounts with them, I used to have an auto loan which was PIF in April of last year and never had a late payment within the 3 years of the loan so surely that should mean something.  I'm really upset over this because it makes no sense.  If they want members only, they should list that on their site.


Starting Score: TU: 663 EQ: 632 EX: ?
Current Score: TU: 721 (12/02/12) EQ: 704 (12/2012 via SW) EX: 712 (11/19/12 via Amex)
Goal Score: 700 (ALL)


Take the FICO Fitness Challenge
Message 10 of 24