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Epic Contributor
Creditaddict
Posts: 21,016
Registered: ‎10-23-2007
0

What Gives GE

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!

Fico Scores: EQ- 682 DCU, TU 696 Walmart, EX 686 Prosper(10-30-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Target $200
63 Cards and Counting :smileytongue:
Established Contributor
ifinet
Posts: 552
Registered: ‎03-17-2010
0

Re: What Gives GE

[ Edited ]

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!


GEMB can be so judgemental like teenage girls. Try recon'ing at 866-246-4282. I'm not sure if they'll be able to approve you, but you WILL get the reason.

Epic Contributor
Creditaddict
Posts: 21,016
Registered: ‎10-23-2007
0

Re: What Gives GE


ifinet wrote:

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!


GEMB can be so judgemental like teenage girls. Try recon'ing at 866-246-4282. I'm not sure if they'll be able to approve you, but you WILL get the reason.


Thanks for that number, it should be added to the backdoor number thread... they don't review it instantly on the phone with you but she said she would review it and I would have answer in 7 days and it would be for the Buyer credit to start out, not the mastercard, which I said okay... because I just need to get back in the door, for some reason I'm being declined everything despite other accounts... she was very nice... keep you posted!

Fico Scores: EQ- 682 DCU, TU 696 Walmart, EX 686 Prosper(10-30-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Target $200
63 Cards and Counting :smileytongue:
Established Contributor
ifinet
Posts: 552
Registered: ‎03-17-2010
0

Re: What Gives GE

[ Edited ]

 


Creditaddict wrote:

ifinet wrote:

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!


GEMB can be so judgemental like teenage girls. Try recon'ing at 866-246-4282. I'm not sure if they'll be able to approve you, but you WILL get the reason.


Thanks for that number, it should be added to the backdoor number thread... they don't review it instantly on the phone with you but she said she would review it and I would have answer in 7 days and it would be for the Buyer credit to start out, not the mastercard, which I said okay... because I just need to get back in the door, for some reason I'm being declined everything despite other accounts... she was very nice... keep you posted!


And trust me, if you have any GEMB issues, just talk to anybody on that number. When I was having issues getting approved for PP Plus MC, the guy gave me the full picture of the approval system, and told me what my chances were....while talking about BBQ'ing, ofcourse!

 

Established Contributor
mross1080
Posts: 527
Registered: ‎04-21-2010
0

Re: What Gives GE

I have the opposite problem GEMB seems to love me but nobody else. I have Paypal Mastercard, Sams, Walmart, Amazon but get turned down by everyone else. Except amex seems to like me now Ive gotten 2 cards from them in the last month and a half.

Senior Contributor
O6
Posts: 3,626
Registered: ‎10-13-2009
0

Re: What Gives GE


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.  :smileywink:

 

 

IAALBNYL
Moderator Emerita
Community Leader
Epic Contributor
haulingthescoreup
Posts: 28,115
Registered: ‎04-01-2007
0

Re: What Gives GE

Never give a cell phone number on a GEMB application, especially with a Wal-Mart app. :smileytongue:

 

And now that so many people very sensibly use only cell phones, and no land lines, this is more and more of a problem.

* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
Senior Contributor
O6
Posts: 3,626
Registered: ‎10-13-2009
0

Re: What Gives GE


haulingthescoreup wrote:

Never give a cell phone number on a GEMB application, especially with a Wal-Mart app. :smileytongue:

 

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.

IAALBNYL
Community Leader
Senior Contributor
laz98
Posts: 4,334
Registered: ‎09-06-2008
0

Re: What Gives GE

 


O6 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!!!  :smileymad:

 

Latest scores: Walmart TU: 769. MyFICO TU: 769. DCU EQ: 716. MyFICO EQ: 780. PSECU EX: 756. MyFICO EX: 780.
Senior Contributor
O6
Posts: 3,626
Registered: ‎10-13-2009
0

Re: What Gives GE


laz98 wrote:

 


O6 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!!!  :smileymad:

 


None at all?  How's that?  When they decline a credit application they are required to provide an ECOA notice stating the reasons.

IAALBNYL

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