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What Have You Been Denied For Recently

Regular Contributor

Re: What Have You Been Denied For Recently

USAA rewards MC and a 3k personal loan to pay off remaining debt & ( a little Christmas shopping Smiley Wink lol)... what do I get ....DENIED Smiley Mad

 

12-08 TU 654 EQ 630 EX 628

12-08 TU 640 new accounts

1-31-09 EQ 644 15% util !!!
2-10-09 EX 663 15% util !!!
Message 31 of 46
Frequent Contributor

Re: What Have You Been Denied For Recently


wmarat wrote:

I have the same problem with JCP. I've had this account for 21 mos and was granted CLI only once. I use denials to pull my EQ reropts for free.

 



Isn't that the whole point of the CLI denial, to get free reports?

Message 32 of 46
Regular Contributor

Re: What Have You Been Denied For Recently

I was just told I'll get a decision from Home Depot in 7-10 days...I presume this is a big fat denial.
2/2011
Experian: 658
Equifax: 653
Transunion: 670
Message 33 of 46
Senior Contributor

Re: What Have You Been Denied For Recently

a 2nd capital one card.  (wanted to try a higher tier to combine)

 

a debt consolidation loan from my CU.

Latest scores: Walmart TU: 769. MyFICO TU: 769. DCU EQ: 755. MyFICO EQ: 780. PSECU EX: 756. MyFICO EX: 780.
Message 34 of 46
Regular Contributor

Re: What Have You Been Denied For Recently

WaMu Rewards MC

8/27/10 -
TU FICO 768
EQ FICO 763
EX PLUS 732

Message 35 of 46
Regular Contributor

Re: What Have You Been Denied For Recently

Denied PenFed card, reason Pyramiding debt

Approved then Cablea closed my account

Denied Sony Card "blacklisted at chase- no pulls instant denial"

Denies Wamu " blacklisted at wamu - no pulls instant denial"

Bestbuy "got MC instead but closed it, what the hell can I do with a $500 limit card"


Starting Score: 8/2008 521
Current Score: 734
Highest Ever: 4/2009 759
Goal Score: 760+

Take the FICO Fitness Challenge
Message 36 of 46
Frequent Contributor

Re: What Have You Been Denied For Recently

Now I could name all the CC-companies that WISH they would have denied me in the first place, but i guess that post would be too long..Smiley Wink
Message 37 of 46
Regular Contributor

Re: What Have You Been Denied For Recently

Denied Ford Credit Card ( GE Consumer Finance)  - Util too high on my existing accounts

- # of lates  --- but these are over 3 years old, but since they still show up, I guess it count----  does it?

 

Macy's - DENIED "previously delinquent with our firm".  OUCH. Not sure whaaa??  But I hope they'll let me know if I still owe them, because I've paid EVERYONE. 

Message 38 of 46
New Contributor

Re: What Have You Been Denied For Recently

Denied for a conventional mortage loan with a CU, went with FHA was approved and closed on my house on 11/25 

BOA CLI - stated that my credit limit was just fine for my current income

AMEX CLI - Too many inquires, high balances, and a couple other reasons

Message 39 of 46
Frequent Contributor

Re: What Have You Been Denied For Recently

I was denied a best buy card. I really wanted the Rock Band 2. Well I didnt get the card but I still got Rock Band 2. I still dont know the reason I was denied. I will need to find the number and give them a call.


Starting Score: 3/21 EQ 636 TU 669
Current Score: 12/30 EQ 740 TU 712 EX ??? ....
Goal Score: Yay... I reached my goal of 700!!!


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Message 40 of 46