topic Re: DENIED BY DINERS CLUB in Credit Card Approvals

DENIED BY DINERS CLUB

Anonymous — Sat, 01 Nov 2014 22:23:47 GMT

They told me that my name didnt match the application. I am divorced and I used my maiden name. I asked if I could send in documentation, they said no,I would have to reapply. TU score dropped 80 points since then. Guess I am waiting for 6 months to get my scores back up and let some INQs to fall off.

Re: DENIED BY DINERS CLUB

Anonymous — Sat, 01 Nov 2014 22:40:32 GMT

That sucks. I am sorry to hear this.

Re: DENIED BY DINERS CLUB

taxi818 — Sat, 01 Nov 2014 23:36:58 GMT

yes. that is too bad. why did your score drop again??? if its the inquiries. you should get a monitoring service or two as someone told me.

Re: DENIED BY DINERS CLUB

Anonymous — Sat, 01 Nov 2014 23:38:40 GMT

Yeah that is for the birds.

Re: DENIED BY DINERS CLUB

Ron1 — Sat, 01 Nov 2014 23:57:31 GMT

Sorry to hear.

Ron.

Re: DENIED BY DINERS CLUB

Anonymous — Sat, 01 Nov 2014 23:59:54 GMT

@Anonymous wrote:
Yeah that is for the birds.

Smart birds.

Re: DENIED BY DINERS CLUB

CreditMagic7 — Sun, 02 Nov 2014 00:02:11 GMT

Sounds somewhat similar to this post where when they applied again were surprisingly approved. But an 80pts dip is drastic

http://ficoforums.myfico.com/t5/Credit-Card-Applications/Diners-Club-Roller-Coaster/m-p/3585035/highlight/true#M158666

Re: DENIED BY DINERS CLUB

Anonymous — Sun, 02 Nov 2014 01:15:16 GMT

@CreditMagic7 wrote:
Sounds somewhat similar to this post where when they applied again were surprisingly approved. But an 80pts dip is drastic

http://ficoforums.myfico.com/t5/Credit-Card-Applications/Diners-Club-Roller-Coaster/m-p/3585035/highlight/true#M158666

I really wish there was a way to recon for both our situations seeing how easy it would be to fix with proper documents. I'm sorry to hear about your denial, OP. But I have to agree that an 80pts drop is drastic. My EX dropped 12pts with 2 pulls from BMO and TU dropped 14pts with 2 pulls.

Re: DENIED BY DINERS CLUB

Anonymous — Sun, 02 Nov 2014 01:29:46 GMT

@CreditMagic7 wrote:
Sounds somewhat similar to this post where when they applied again were surprisingly approved. But an 80pts dip is drastic

http://ficoforums.myfico.com/t5/Credit-Card-Applications/Diners-Club-Roller-Coaster/m-p/3585035/highlight/true#M158666

I'm sorry to hear about your denial. I wish we were able to recon for our situations since it would be an easy fix with proper documents. I do agree that an 80pts drop is drastic though. My EX dropped 12pts and TU dropped 14pts with 2 pulls each by BMO.

Re: DENIED BY DINERS CLUB

uswala — Sun, 02 Nov 2014 02:47:44 GMT

Sorry to know. That is really bad of them not allowing one to verify the details.

Re: DENIED BY DINERS CLUB

FinStar — Sun, 02 Nov 2014 03:18:59 GMT

Bummer OP... that's too bad! Mine was an address verification issue and system glitch that eventually got corrected after several calls and CR updates, but eventually approved for both (the 2nd one more or less as a fluke of the whole issue).

Re: DENIED BY DINERS CLUB

Anonymous — Sun, 02 Nov 2014 05:05:13 GMT

Thats unfortunate that they wouldnt let you send in documentation to verify. 80 points? just for that app? wow thats a lot.

Re: DENIED BY DINERS CLUB

FinStar — Sun, 02 Nov 2014 06:21:39 GMT

@Anonymous wrote:
Thats unfortunate that they wouldnt let you send in documentation to verify. 80 points? just for that app? wow thats a lot.

I'm thinking the 80 points wasn't correlated just to this app. I would doubt one inquiry would bring the whole house down LOL.

Re: DENIED BY DINERS CLUB

taxi818 — Sun, 02 Nov 2014 08:43:32 GMT

@FinStar wrote:
@Anonymous wrote:
Thats unfortunate that they wouldnt let you send in documentation to verify. 80 points? just for that app? wow thats a lot.
I'm thinking the 80 points wasn't correlated just to this app. I would doubt one inquiry would bring the whole house down LOL.

+1 maybe this is why members at. Myfico fear inquiries so much

Re: DENIED BY DINERS CLUB

tray — Sun, 02 Nov 2014 12:03:15 GMT

Sorry to hear, but if it is a fako score you are looking at for a 80 point drop I really would not rely on that score as it is not a true credit score......

Re: DENIED BY DINERS CLUB

CreditMagic7 — Sun, 02 Nov 2014 14:31:52 GMT

@tray wrote:
Sorry to hear, but if it is a fako score you are looking at for a 80 point drop I really would not rely on that score as it is not a true credit score......

Good Point! And i don't think OP specified either. That large number may (hopefully) just be a FAKO indicator not FICO. And they can likely be approved with the correction on a new app. This is why it is vitally important before applying for any credit lender to have your reports in front of you and enter your data EXACTLY as reflected on them letter for letter. The least single symbol can kick out an otherwise good application

Re: DENIED BY DINERS CLUB

Anonymous — Sun, 02 Nov 2014 16:47:01 GMT

@CreditMagic7 wrote:
@tray wrote:
Sorry to hear, but if it is a fako score you are looking at for a 80 point drop I really would not rely on that score as it is not a true credit score......
Good Point! And i don't think OP specified either. That large number may (hopefully) just be a FAKO indicator not FICO. And they can likely be approved with the correction on a new app. This is why it is vitally important before applying for any credit lender to have your reports in front of you and enter your data EXACTLY as reflected on them letter for letter. The least single symbol can kick out an otherwise good application

Not really. I got to a point where I was at 1 INQ on my TU and then apped the SallieMae. My CK score only dropped 4pts and my TU FICO only dropped 2pts.

Re: DENIED BY DINERS CLUB

CreditMagic7 — Sun, 02 Nov 2014 16:50:33 GMT

@Anonymous wrote:
@CreditMagic7 wrote:
@tray wrote:
Sorry to hear, but if it is a fako score you are looking at for a 80 point drop I really would not rely on that score as it is not a true credit score......
Good Point! And i don't think OP specified either. That large number may (hopefully) just be a FAKO indicator not FICO. And they can likely be approved with the correction on a new app. This is why it is vitally important before applying for any credit lender to have your reports in front of you and enter your data EXACTLY as reflected on them letter for letter. The least single symbol can kick out an otherwise good application
Not really. I got to a point where I was at 1 INQ on my TU and then apped the SallieMae. My CK score only dropped 4pts and my TU FICO only dropped 2pts.

Yeah 80 is pretty extreme and would indicate other factors are in play. Sudden report of High Util rise maybe? We just don't know until OP clears that up for us if they want. A simple 1 or 2 apps wouldn't do it.

Re: DENIED BY DINERS CLUB

joedtx — Sun, 02 Nov 2014 20:11:11 GMT

@CreditMagic7 wrote:
@Anonymous wrote:
@CreditMagic7 wrote:
@tray wrote:
Sorry to hear, but if it is a fako score you are looking at for a 80 point drop I really would not rely on that score as it is not a true credit score......
Good Point! And i don't think OP specified either. That large number may (hopefully) just be a FAKO indicator not FICO. And they can likely be approved with the correction on a new app. This is why it is vitally important before applying for any credit lender to have your reports in front of you and enter your data EXACTLY as reflected on them letter for letter. The least single symbol can kick out an otherwise good application
Not really. I got to a point where I was at 1 INQ on my TU and then apped the SallieMae. My CK score only dropped 4pts and my TU FICO only dropped 2pts.
Yeah 80 is pretty extreme and would indicate other factors are in play. Sudden report of High Util rise maybe? We just don't know until OP clears that up for us if they want. A simple 1 or 2 apps wouldn't do it.

Seem's like these types of pull's typically drop the score anywhere from 2 - 15 points range maybe there's something that the OP is unaware that's related to this.