Credit Card Center Advertiser Disclosure†
03-20-2017 07:51 AM
03-20-2017 11:31 AM
They are saying that the CRA had issues with your personal identifiers that cast some uncertainty in identification of the specific consumer whose credit report was being sought, so the CRA denied the inquiry.
That is a proper practice if the CRA has any doubt/uncertainty.
FCRA procedures for identifcation that their decision was based at least in part on info obtained in a credit report from a CRA obviously do not apply, as they are stating that they never received a credit report.
Looks proper to me.
Simply provide the confusing info, and have them re--submit.
Once they have received a credit report, the FCRA requirement to identify any reason used based on that report will then apply, as will your ability to then receive a free credit report if they deny your app.
03-20-2017 11:51 AM
I understand the denial was correct. The application process was odd. You fill out the shopping cart on the site, shipping address, mailing address, etc... Then at payment options you select to supply, and it pulls the info for the application from the cart checkout process, except for the last 4 of ss#. I just didn't realize it pulled the wrong address.
My original intent was to try and get the original inquiry pulled, and reapply. Unfortunately, they don't allow a second application. So now I'm trying to see if I'll need to get the inquiry removed, or if it's even going to show up. TU said all inquiries show up immediately for them, but there was nothing showing. Last inquiry showing is from 2 years ago.
Do inquiries take longer than a couple days for a CRA to be able to see them?
03-20-2017 12:08 PM - edited 03-20-2017 12:09 PM
Then the issue is apparently not with the CRA, but rather with the creditor.
The CRA records no inquiry. It was dismissed without being filled.
The issue appears to be that the software used by the creditor is structured to prevent a second request if a first request does not provide a credit report.
Automated "shopping cart" processes dont permit deviations.
You will likely need to get a rep from the creditor to permit a manual second attempt at an inquiry.
03-20-2017 12:42 PM
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.
* 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.
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.