topic Re: Declined for Blispay in Credit Card Approvals

Declined for Blispay, Approved After Recon

MASTERNC — Sat, 07 May 2016 23:52:17 GMT

Worked - just got approval e-mail. Definitely helps to have human intervention with these things. Computer models don't always get it right.

Re: Declined for Blispay

CreditCuriosity — Fri, 06 May 2016 15:07:37 GMT

Congrats! Know the limit?

Re: Declined for Blispay

MASTERNC — Fri, 06 May 2016 15:15:07 GMT

@CreditCuriousity wrote:
Congrats! Know the limit?

Just logged in...$10k

Re: Declined for Blispay

Anonymous — Fri, 06 May 2016 18:28:39 GMT

@MASTERNC wrote:
Worked - just got approval e-mail. Definitely helps to have human intervention with these things. Computer models don't always get it right.

Congratulations!! It still think it's kind of creepy to know they are snooping around social media to get info on us. I do remember reading something awhile back that said some companies were going to start doing this, but I didn't really think it would happen except for maybe the smaller, lesser known, consumer data agencies. Perhaps because Blispay is a startup company, and are trying to cut costs, they do this type of research themselves instead of paying someone else to do it.

Re: Declined for Blispay

crrredit — Fri, 06 May 2016 19:56:47 GMT

Ex PayPal people running this. Maybe they are doing a bit of research to see how online info compares to more traditional credit checks. Looking for trends, etc. Or maybe they were impressed with the professional way you handled the problem and want to hire you!

Re: Declined for Blispay

UncleB — Sat, 07 May 2016 04:56:21 GMT

@Anonymous wrote:
@MASTERNC wrote:
Worked - just got approval e-mail. Definitely helps to have human intervention with these things. Computer models don't always get it right.
Congratulations!! It still think it's kind of creepy to know they are snooping around social media to get info on us. I do remember reading something awhile back that said some companies were going to start doing this, but I didn't really think it would happen except for maybe the smaller, lesser known, consumer data agencies. Perhaps because Blispay is a startup company, and are trying to cut costs, they do this type of research themselves instead of paying someone else to do it.

I couldn't agree more... I decided years ago to avoid social media; actually my being on this site is the extent of my online "presence". I do have a twitter account, but it's only for Amex offers and has a meaningless name and throw-away email address, so I don't 'count' it.

(I promise, I really don't wear a tin-foil hat... it's actually aluminum.)

Edited to add: Congrats to MASTERNC on the approval!

Re: Declined for Blispay

Anonymous — Sat, 07 May 2016 08:24:29 GMT

@UncleB wrote:

I couldn't agree more... I decided years ago to avoid social media; actually my being on this site is the extent of my online "presence". I do have a twitter account, but it's only for Amex offers and has a meaningless name and throw-away email address, so I don't 'count' it.
(I promise, I really don't wear a tin-foil hat... it's actually aluminum.)
Edited to add: Congrats to MASTERNC on the approval!

Ha ha, so you mean I'm not the only one?

Re: Declined for Blispay

RonM21 — Sat, 07 May 2016 20:52:13 GMT

@MASTERNC wrote:
Worked - just got approval e-mail. Definitely helps to have human intervention with these things. Computer models don't always get it right.

Absolutely helps to have humans involved with these. Congrats

Re: Declined for Blispay, Approved After Recon

Anonymous — Tue, 10 May 2016 09:52:47 GMT

congrats

Re: Declined for Blispay, Approved After Recon

MASTERNC — Tue, 17 May 2016 12:41:49 GMT

Just got the original denial letter last night. So the denial wasn't due to my credit report but rather that they were unable to verify my identity. Funny thing is they had no problem doing that during the recon.

Re: Declined for Blispay, Approved After Recon

Anonymous — Tue, 17 May 2016 12:49:49 GMT

Well done! Congratulations!

Re: Declined for Blispay, Approved After Recon

nursepower — Tue, 17 May 2016 18:58:33 GMT

How did you recon blispay? I thought they didn't recon?

Re: Declined for Blispay, Approved After Recon

Anonymous — Tue, 17 May 2016 20:44:26 GMT

Yes how did you recon? I'm waiting on my denial letter.

Re: Declined for Blispay, Approved After Recon

Anonymous — Thu, 26 May 2016 07:48:37 GMT

@Anonymous wrote:
Yes how did you recon? I'm waiting on my denial letter.

1-877-431-5865

Re: Declined for Blispay, Approved After Recon

galahad15 — Thu, 26 May 2016 11:52:27 GMT

Congrats on your approval and on the excellent SL!

Re: Declined for Blispay, Approved After Recon

Anonymous — Thu, 26 May 2016 13:06:27 GMT

What was your EX score? For data point please

Re: Declined for Blispay, Approved After Recon

Anonymous — Thu, 26 May 2016 13:12:30 GMT

I called Blispay this morning regarding my application from last week and the lady who I spoke with said they do not do recons. OP please fill in the gaps. We want to recon our apps also.

Re: Declined for Blispay, Approved After Recon

Anonymous — Thu, 26 May 2016 13:20:37 GMT

@Anonymous wrote:
I called Blispay this morning regarding my application from last week and the lady who I spoke with said they do not do recons. OP please fill in the gaps. We want to recon our apps also.

Should of called her a liar and referred her to this thread Your EX is so good in your siggy. Maybe they couldn't approve you because you don't have a facebook

Re: Declined for Blispay, Approved After Recon

GalaxyStars — Thu, 26 May 2016 13:32:20 GMT

Using Social Media as a form of Credit Check is gonna fail big time.

The only thing it can be used for is descriminating by ones race, habits. I think they should stick to Credit Reports, why?
I know plently of people from all walks of life.

I know college educated people who can care less about Credit, known for frugal spending, but seems to life a holy or family life online.
One even a math teacher but has poor budgeting skills.

I know people who habits would be considered by some as "sketchy" but are really educated about finances and more conserative than the educated ones.

Unless one is bragging about finances or acting depressed about finances I fail to see how it could accurately screen someone, but then again what do I know.

Re: Declined for Blispay, Approved After Recon

Anonymous — Thu, 26 May 2016 13:39:07 GMT

@GalaxyStars wrote:
Using Social Media as a form of Credit Check is gonna fail big time.

The only thing it can be used for is descriminating by ones race, habits. I think they should stick to Credit Reports, why?
I know plently of people from all walks of life.

I know college educated people who can care less about Credit, known for frugal spending, but seems to life a holy or family life online.
One even a math teacher but has poor budgeting skills.

I know people who habits would be considered by some as "sketchy" but are really educated about finances and more conserative than the educated ones.

Unless one is bragging about finances or acting depressed about finances I fail to see how it could accurately screen someone, but then again what do I know.

I agree especially because my Social Media accounts are hidden or private.