topic Re: Has anyone tried a second blispay application after denial in Credit Card Applications

Has anyone tried a second blispay application after denial

Anonymous — Sat, 04 Jun 2016 16:01:46 GMT

I see a handful of reconsideration threads. Has anyone applied a second attempt after waiting a while? For instance a story where it is not a mailing address for verification issue but an actual denial for ugly reasons and their scores improved, and so on

Re: Has anyone tried a second blispay application after denial

kdm31091 — Sat, 04 Jun 2016 16:14:36 GMT

It's only been what, two months? If someone was denied for anything other than verification, usually that short of a time won't fix it. If one is denied for something I think 3 months is a good minimum before retrying.

Re: Has anyone tried a second blispay application after denial

Anonymous — Sat, 04 Jun 2016 16:19:29 GMT

This is true but if you're watching your credit and bad marks fall off or you pay off a buch of accts at once and all update, you know where you personally stand. I'm just floating question to see if someone's applied twice already.

Re: Has anyone tried a second blispay application after denial

Anonymous — Sat, 04 Jun 2016 17:27:50 GMT

Someone on a thread here told me 6 mos. I think one of my reasons was my student loans, which is crappy, because I'm going a looooong way in school and won't be due to pay those back for quite awhile.

Re: Has anyone tried a second blispay application after denial

Anonymous — Sat, 04 Jun 2016 17:32:20 GMT

@Anonymous wrote:
Someone on a thread here told me 6 mos. I think one of my reasons was my student loans, which is crappy, because I'm going a looooong way in school and won't be due to pay those back for quite awhile.

Yes that pesky debt to credit ratio excuse. Its as if they only look at bullet points when reviewing a credit report. I was given the same excuse.

Re: Has anyone tried a second blispay application after denial

creditguy — Sat, 04 Jun 2016 18:18:22 GMT

They have a waiting period before reapplication, 3 months 6 months who knows for sure, but in order to find out just try to register to apply and if it says something like your info is already on file then you can't reapply. But if it sends you a code then your able to again. Just keep trying until they send you a code again and there's your waiting period answer. I'm sure if ones profile has improved the odds for approval will increase.

Re: Has anyone tried a second blispay application after denial

Anonymous — Sat, 04 Jun 2016 23:04:15 GMT

@creditguy wrote:
They have a waiting period before reapplication, 3 months 6 months who knows for sure, but in order to find out just try to register to apply and if it says something like your info is already on file then you can't reapply. But if it sends you a code then your able to again. Just keep trying until they send you a code again and there's your waiting period answer. I'm sure if ones profile has improved the odds for approval will increase.

Or maybe try again with a different email address and cell phone number?

Re: Has anyone tried a second blispay application after denial

Anonymous — Sat, 04 Jun 2016 23:35:57 GMT

@Anonymous wrote:
Someone on a thread here told me 6 mos. I think one of my reasons was my student loans, which is crappy, because I'm going a looooong way in school and won't be due to pay those back for quite awhile.

I had $62.5k in student loans and mines approved with 2 baddies and a judgement. I think there's a threshold on your credit score...someone in another thread mentioned 680. I was at 689

Re: Has anyone tried a second blispay application after denial

Anonymous — Sat, 04 Jun 2016 23:50:35 GMT

@tamaralig wrote:
@Anonymous wrote:
Someone on a thread here told me 6 mos. I think one of my reasons was my student loans, which is crappy, because I'm going a looooong way in school and won't be due to pay those back for quite awhile.
I had $62.5k in student loans and mines approved with 2 baddies and a judgement. I think there's a threshold on your credit score...someone in another thread mentioned 680. I was at 689

Who do they pull again? I'm in 670s-680s range. I was just going to try again in like November, before Christmas

Re: Has anyone tried a second blispay application after denial

UncleB — Sun, 05 Jun 2016 02:51:44 GMT

@Anonymous wrote:
@tamaralig wrote:
@Anonymous wrote:
Someone on a thread here told me 6 mos. I think one of my reasons was my student loans, which is crappy, because I'm going a looooong way in school and won't be due to pay those back for quite awhile.
I had $62.5k in student loans and mines approved with 2 baddies and a judgement. I think there's a threshold on your credit score...someone in another thread mentioned 680. I was at 689
Who do they pull again? I'm in 670s-680s range. I was just going to try again in like November, before Christmas

They pulled Experian for me.

Re: Has anyone tried a second blispay application after denial

RonM21 — Sun, 05 Jun 2016 14:25:37 GMT

I believe it is strictly Experian they pull

Re: Has anyone tried a second blispay application after denial

Samac — Sun, 05 Jun 2016 16:27:52 GMT

I do think student loans play a huge role in whether or not you're accepted. A previous poster had 62k I. Debt but did you have the income to counteract that?

I have 52k in student loan debt so far, and they quoted my Fivo score at 752 in my rejection letter with balance on my installment loans too high.
The loan is in deferment.

Re: Has anyone tried a second blispay application after denial

Samac — Sun, 05 Jun 2016 16:30:56 GMT

On another note I was curious as to if it would let me apply again and I'm able to again, when I wasn't before. I got to the agree and submit button and backed off.

Re: Has anyone tried a second blispay application after denial

12njoy — Sun, 05 Jun 2016 19:26:32 GMT

@tamaralig wrote:
@Anonymous wrote:
Someone on a thread here told me 6 mos. I think one of my reasons was my student loans, which is crappy, because I'm going a looooong way in school and won't be due to pay those back for quite awhile.
I had $62.5k in student loans and mines approved with 2 baddies and a judgement. I think there's a threshold on your credit score...someone in another thread mentioned 680. I was at 689

I have 135k in student loans and was approved.

Re: Has anyone tried a second blispay application after denial

Anonymous — Sun, 05 Jun 2016 21:46:04 GMT

@Samac wrote:
On another note I was curious as to if it would let me apply again and I'm able to again, when I wasn't before. I got to the agree and submit button and backed off.

Interesting. I have no idea where the 6 month data point came from, but I know someone from the forum mentioned it. I'll probably still wait until the fall.

Re: Has anyone tried a second blispay application after denial

Anonymous — Wed, 08 Jun 2016 05:54:41 GMT

Is your installment loan your only loan and it's the student loan? That's my only loan on my reports and been in deferrment for 9 years and they are fed loans. My income on my app is $43k I never apply with my DH income added. Also I don't remember the app asking me for income also my fico they pulled wasn't nearly as high as yours...Anything else they could have got dodgy about, like utl?

@Samac wrote:
I do think student loans play a huge role in whether or not you're accepted. A previous poster had 62k I. Debt but did you have the income to counteract that?

I have 52k in student loan debt so far, and they quoted my Fivo score at 752 in my rejection letter with balance on my installment loans too high.
The loan is in deferment.

Re: Has anyone tried a second blispay application after denial

Samac — Wed, 08 Jun 2016 07:15:21 GMT

It is in an installment loan. I have one other installment loan which is a car, but it was down 3000 at that time and It continues to decrease every month, and that could play a factor. The reason listed on the rejection letter was balance on installment loans too high. And that's accurate considering the balance is the loan amount. I've not paid a dime on it yet.

I don't have high utilization, I get its not optimal for scoring but I usually pay everything off before the statement cuts. Every now and then a few hundred dollars reports on my discover or my my Citi DC but other than that I keep my utilization at 0.

Re: Has anyone tried a second blispay application after denial

irunfromcredit — Wed, 08 Jun 2016 11:25:34 GMT

@Anonymous wrote:
Someone on a thread here told me 6 mos. I think one of my reasons was my student loans, which is crappy, because I'm going a looooong way in school and won't be due to pay those back for quite awhile.

It maybe something in addition to the student loans. At the time of my approval, I carried $120k in student loans, which are still in deferrment. But, I had less than 1% uti on credit cards, and paid off my car loan. My ex score at the time was ~750. I do have a pretty thick credit file as well, so YMMV I suppose. Good luck in school and hope you get approved in the fall!!!😄

Re: Has anyone tried a second blispay application after denial

Anonymous — Wed, 08 Jun 2016 20:09:30 GMT

I applied for Blispay on April 5 and was declined and just reapplied today and got accepted for 2400 sl. So just over 2 months for me.

Re: Has anyone tried a second blispay application after denial

Anonymous — Thu, 09 Jun 2016 03:23:19 GMT

@Anonymous wrote:
I applied for Blispay on April 5 and was declined and just reapplied today and got accepted for 2400 sl. So just over 2 months for me.

Good to know, thank you for sharing!