Reply
Community Leader
Senior Contributor
Posts: 4,336
Registered: ‎09-06-2008
0

Re: What Gives GE

 


O6 wrote:

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.


nope.  i got a letter alright, but it says i have to call or write if i want to know the reason(s).  what kind of crap is that???

 

Latest scores: Walmart TU: 769. MyFICO TU: 769. DCU EQ: 755. MyFICO EQ: 780. PSECU EX: 756. MyFICO EX: 780.
Senior Contributor
Posts: 3,626
Registered: ‎10-13-2009
0

Re: What Gives GE


laz98 wrote:

 


O6 wrote:

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.


nope.  i got a letter alright, but it says i have to call or write if i want to know the reason(s).  what kind of crap is that???

 


You're right ... it is crazy.

 

I think also the ECOA might require that they actually give you the reasons upfront or tell you they are available upon request. 

IAALBNYL
Frequent Contributor
Posts: 317
Registered: ‎06-27-2008
0

Re: What Gives GE

[ Edited ]

anyone know if that backdoor # be used to request recon on sams club discover cli?

myFICO - EQ: 776 EX: 763 TU: 791
Frequent Contributor
Posts: 359
Registered: ‎06-06-2009
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.


Odd. All I have is a cell phone, and I have never been turned down by GEMB. I have:

 

Walmart

Lowes

Old Navy

Amazon

PayPal Mastercard

 

??? I guess I'm a lucky one! :smileyhappy:

---------------------------------------------------------------
Recent Cards:
12/2012 - Discover (ICL 3,375 CLI to 5,375 05/2014)
12/2013 - Chase Freedom (ICL 3,500 ACLI to 4,500 07/2014)
03/2012 - Gander Mountain MC (WFNNB) 7,000 CL
04/2012 - Ace Rewards Visa (US Bank) 12,000 CL
Back to gardening for a year or two
Established Contributor
Posts: 536
Registered: ‎03-17-2010
0

Re: What Gives GE

[ Edited ]

One trick I know always works with GEMB, if you get the 7-10 day notice instead of instant approval for no apparent reason, just give the GEMB underwriters a ring and get the matter sorted out ASAP (its usually that cell phone or address verification issue), or else you would either end-up with a denial or a super low-limit card.

Moderator Emerita
Community Leader
Epic Contributor
Posts: 28,098
Registered: ‎04-01-2007
0

Re: What Gives GE

 


bigtim wrote:

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.


Odd. All I have is a cell phone, and I have never been turned down by GEMB. I have:

 

Walmart

Lowes

Old Navy

Amazon

PayPal Mastercard

 

??? I guess I'm a lucky one! :smileyhappy:


 

I'm glad, that means that they must have fixed this. There were numerous posts in the past about people being denied (and getting hit with a hard) because GEMB couldn't verify their address and/or existence if they used a cell phone. And then they wouldn't let you recon off the same app with a land line.

 

It was a terrible system, so it's a good thing that they've apparently addressed this.

* 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
Established Contributor
Posts: 526
Registered: ‎04-21-2010
0

Re: What Gives GE

I only number I have listed on all my reports is my cell number and its under my wifes name and we dont even share the same last name and I have gotten several accounts with them. I did have one issue when I apped for the amazon card I got declined for unable to verify but a month later I was instant approved.

Established Contributor
Posts: 536
Registered: ‎03-17-2010
0

Re: What Gives GE

 


haulingthescoreup wrote:

 


bigtim wrote:

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.


Odd. All I have is a cell phone, and I have never been turned down by GEMB. I have:

 

Walmart

Lowes

Old Navy

Amazon

PayPal Mastercard

 

??? I guess I'm a lucky one! :smileyhappy:


 

I'm glad, that means that they must have fixed this. There were numerous posts in the past about people being denied (and getting hit with a hard) because GEMB couldn't verify their address and/or existence if they used a cell phone. And then they wouldn't let you recon off the same app with a land line.

 

It was a terrible system, so it's a good thing that they've apparently addressed this.


They have NOT really addressed this. I have a DC cell phone number but I live atleast 35 miles away from DC in VA, and everytime I apply for a GEMB card they get startled :smileyhappy:

 

Established Contributor
Posts: 736
Registered: ‎07-07-2010
0

Re: What Gives GE

When I got my ppbc about two months ago I was instantly approved. All i have is a cell phone.

__________________________
01/11/2011: FICO:TU: 746
12/14/2010: FICO:EQ: 744
08/12/2011: FICO:EXP: 766
Community Leader
Senior Contributor
Posts: 4,336
Registered: ‎09-06-2008
0

Re: What Gives GE

 


gbishere wrote:

When I got my ppbc about two months ago I was instantly approved. All i have is a cell phone.


me too.  i wonder why some people get hassled so much over it.

 

Latest scores: Walmart TU: 769. MyFICO TU: 769. DCU EQ: 755. MyFICO EQ: 780. PSECU EX: 756. MyFICO EX: 780.
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.

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

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