@bichonmom wrote:That's odd. I'm not sure what to tell you. I would call back and talk with another rep. When I apped, I actually pulled up my EQ CR and entered the info exactly like it was on my CR. And I still had to call -- I can't remember why now. In any case, I would try a different rep. Some of them know what they're doing, but many just don't. If it's just a matter of confirming info, then I don't see why you'd need to wait for the letter. They should be able to just ask you questions to confirm your identity over the phone. If I recall correctly, that is what I had to do, and then I was approved.
Got another person who just seemed like they were in a big rush and asked if i signed up with P.O. Box or have a freeze or fraud alert on my credit file...i said no and they said just wait for an email or a letter in the mail in a few weeks...WTH???
He took my name and stuff but couldnt find an account so....its def not going through i guess....
If they cant verify my info, then how will they send me anything telling me whats wrong?
I'm looking at my Score Watch MyFico report and it has my current address that ive lived at for almost 2 years as being reported for the firs ttime in March 2012...my last address was last updated in March 2011...
As you can see the "current" address says it was updated THIS MONTH!?! Is that just how the Score Watch works or is that on my actual real Equifax Report and it hasnt been updated for the past 2+ years ive lived here?
I'm not sure. You could post under the thread about MyFICO products, and see if someone might have the answer. I think that it just means that the address was last updated by a creditor on that date. Every time the CCs report to the CRAs, it includes your address, too. So, I think it's just saying that it was last updated this month. But I'm not 100% sure.
BML is a little weird with some things. I still don't understand why they couldn't help you on the phone. It sounds like they weren't able to match up your info w/your CR and maybe didn't even do the HP. Can you tell if they HP or SP? If there's no HP, then they definitely couldn't match up your info enough to even pull your credit. If there is a HP, then there is some other reason they're denying you, and I guess you need to wait for the letter. Though I'm persistent, so if it were me, I'd call again and ask for a supervisor. But that's just my personality! 
They are pretty easy for approvals, so I would be surprised if you are denied, but with credit you just never know. You could try calling again and speaking with a supervisor. Or else, wait until you get the letter and see what it says.
I know they can be frustrating. I was really frustrated trying to link up my BML w/PayPal so I could pay for the item I had won on eBay. It really seems like most of their reps just don't have a clue, and it did take a supervisor to fix it -- and it was a really easy fix, too, but not one of the several reps I had spoken with had known what to do.
Don't give up -- especially since you got the HP.