@Creditaddict wrote:Everytime I apply I'm declined, Have tried Paypal, Ikea, Sams, Sams Business, Walmart!!!
I have a joint Dillards in perfect standing
I'm auth on Walmart, Gap, AE, and Ebay Mastercard - which all appear on my credit report
and I have closed in good standing Paypal Buer Credit and Sams
Why am I blacklisted!
The only thing I can think of is Jcpenney which GE closed when they found out I was in Ch 13 and they charged off the balance, but the account isn't even on my reports!
What reason do they give you?
I got into a knock-down drag-out fight with them once because they were putting retarded decline reasons on their ECOA notices. They would say something like "Declined, unable to verify application data w/ credit report" when they pulled EQ even when the phone number was listed on the CR. Then they would say that the problem was because the applicant didn't have their telephone listed under their name when courts have held that the ECOA does not require a phone in your name -- just a phone in your residence.
Finally they said that the problems were because they could not verify the phone number. That it was easy to verify with directory assistance or the Yellow Pages was irrelevant, they say, because they claim they use their own third-party verification system.
I think a monkey wrote their application software. That monkey does understand pain, though. 
Never give a cell phone number on a GEMB application, especially with a Wal-Mart app. 
And now that so many people very sensibly use only cell phones, and no land lines, this is more and more of a problem.
@haulingthescoreup wrote:Never give a cell phone number on a GEMB application, especially with a Wal-Mart app.
And now that so many people very sensibly use only cell phones, and no land lines, this is more and more of a problem.
Try number portability. Their monkey cannot comprehend why someone would move to, say, California yet maintain a cellphone number with an Upstate NY area code. The only thing GE understands is a BFS.
@Anonymous wrote:What reason do they give you?
I got into a knock-down drag-out fight with them once because they were putting retarded decline reasons on their ECOA notices. They would say something like "Declined, unable to verify application data w/ credit report" when they pulled EQ even when the phone number was listed on the CR. Then they would say that the problem was because the applicant didn't have their telephone listed under their name when courts have held that the ECOA does not require a phone in your name -- just a phone in your residence.
at least they give you a reason! they gave me no reason at all. geez!!! 
@laz98 wrote:
@Anonymous wrote:What reason do they give you?
I got into a knock-down drag-out fight with them once because they were putting retarded decline reasons on their ECOA notices. They would say something like "Declined, unable to verify application data w/ credit report" when they pulled EQ even when the phone number was listed on the CR. Then they would say that the problem was because the applicant didn't have their telephone listed under their name when courts have held that the ECOA does not require a phone in your name -- just a phone in your residence.
at least they give you a reason! they gave me no reason at all. geez!!!
None at all? How's that? When they decline a credit application they are required to provide an ECOA notice stating the reasons.