Credit Card Center Advertiser Disclosure

Valued Member
Posts: 38
Registered: ‎06-14-2007
0 Kudos

Re: FICO SCORES Compared to what Lenders see

Well i said i would update when I got a response from CITI for a AA World Mastercard with scores above 700. Well I was denied. Reasons being:
Dear Mr Johnson:
We recently received your application. We are unable to establish an account for you at this time. The reason for this decision is that we could not verify the accuracy of the information provided on the application or documentation submitted.
Blah blah Dousche Bag Smiley Indifferent
So I called to find out what couldn't be verified only to be given a complete run around saying they don't have access to the info that can provide me with an answer. So I'm thinking oh that's crap. So I called back to talk with a different Rep. She tells me they do have access to that info and provided me with the following:
"The phone number on the application did not match the phone number on your application, as a matter of fact sir, there was no phone number on your credit report so in accordance with our policy, we denied the application"
So at this point I'm steamed. Now the only reason they went through the extensive process for verification is because I had a credit fraud alert placed on my account while I've been deployed to Iraq because the local nationals that work here are very sneaky. They were known to have been taking credit card and debit card information when we make purchases in stores. So I had that alert placed on my account. I didn't know it would come back to haunt me. So bottom line they need a number on the report to match with whats on the application, which I'll have to take another hit on my Equifax with I refuse to do, those idiots act as if they couldn't have the 1st inquiry removed considering my situation here in Iraq there's no number I can provide fot them to contact me directly. So if all i need to do is post a number that matches the app I'd be fine. But they wont' remove the 1st inquiry so I'm done with applying for this year, I have too many inquiries on my Equifax report for this year. 4 from this year and 3 from last year. But i'll survive with my VISA and AMEX for now. One day i'll have a Mastercard without the Bull Crap. Word to the wise, expect to go through hell and beyound if you ever have a fraud alert placed on your account, obtaining credit will become a real pain.

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† 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.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

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

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