Regular Contributor
Posts: 118
Registered: ‎07-22-2012
Re: denied wells fargo secured credit card?

I have low, low scores - lower than I thought. EQ FICO is 484.


I bank with Wells Fargo, and am an employee.


In this rebuilding journey, I too, applied for the secured card and didn't really hear anything. A few days later I got an email saying I was declined on the basis that they could not verify my identity.


I called credit card services, and answered all their security questions and asked for a recon - which they did.


I was out of town and got another email saying I was declined again. When I got back, I had a letter from them requesting I call and verify some information. Again.


So I called them today, and they said I was already approved and my card would be here in 7-10 business days.


I'm really glad I stayed on them. I have one positive tradeline and just paid off almost all my collections. I just haven't seen a big score increase yet.

February 2012: 480 across the board (before I found this site and started working on my scores)
Starting Scores: TU FAKO: 543 (06/16/2012) EX FAKO: 547 (06/16/2012) EQ FAKO: 528 (06/16/2012)
Current Scores:TU FICO: 639 (11/20/2012) EQ FICO: 617 (11/20/2012)
TU FAKO: 606 (8/30/2012) EX FAKO: 574 (09/04/2012) EQ FAKO: 564 (09/30/2012)