topic Re: Additional documents... in Credit Card Applications

Additional documents...

Anonymous — Tue, 21 Feb 2017 02:21:46 GMT

New here, I have a 753 TU & 716 EQ, I've applied for two separate cards, and each time I get the "more documents needed". Why do I not just get an instant approval?? There is no fraud alert and I've been at the same address for over 5 years. Thanks for your help...

Re: Additional documents...

creditguy — Tue, 21 Feb 2017 02:26:13 GMT

Welcome to the forums! What cards did you apply for that are asking for additional documents? And what type of documents are they asking for?

Re: Additional documents...

Anonymous — Tue, 21 Feb 2017 02:29:17 GMT

Capital One & credit1...

DL / address & SSN

Thanks for the warm welcome!

Re: Additional documents...

creditguy — Tue, 21 Feb 2017 02:31:11 GMT

That's pretty odd. Do you currently have any open credit card accounts?

Re: Additional documents...

fltireguy — Tue, 21 Feb 2017 02:36:08 GMT

Hi. Welcome!

First, where are you getting your scores from? CreditKarma? If so, they are FAKO, not true FICO scores. If this is the case, it would be well worth it to get your FICO scores....

Next, are you military? If so, NFCU or PenFed would be a much better choice for you than CreditOne, which is one of the worst bottom feeders

Re: Additional documents...

Anonymous — Tue, 21 Feb 2017 04:57:43 GMT

Applying for CreditOne with those scores is a red flag by itself

Re: Additional documents...

Anonymous — Tue, 21 Feb 2017 14:52:58 GMT

Thanks, the scores came from CK, and Capital one credit wise Apps. I got divorced about 8 years ago and paid off everything after selling house so I don't have any debt. I'm an auth. User on a Barclays Visa w a $9500 cl and only 1700 on the card.

Re: Additional documents...

Anonymous — Tue, 21 Feb 2017 14:53:45 GMT

I'm a veteran, but not retired.

Re: Additional documents...

Anonymous — Tue, 21 Feb 2017 14:55:30 GMT

Matt4200 - I haven't applied for credit in a while, so I was just trying to get some new cards.

Re: Additional documents...

fltireguy — Tue, 21 Feb 2017 15:46:03 GMT

OP if you are a veteran then you are eligible for Navy Federal - they just changed the criteria for membership to include honorably discharged vets.

Even based on the CK scores, you should be high enough for a nice limit from Navy.. so much better than CapOne and CreditOne too!

Re: Additional documents...

Anonymous — Tue, 21 Feb 2017 15:50:10 GMT

Thanks a lot, I really appreciate that. I'll take my DD214 there today.

Re: Additional documents...

Anonymous — Tue, 21 Feb 2017 15:56:30 GMT

I really wanna do the right things and keep my scores high, because I ruined my credit when I was young. (39 now) which program or package should I get for my FICO scores? There are a lot of options. Thanks again for all the help. 🇺🇸

Re: Additional documents...

fltireguy — Tue, 21 Feb 2017 16:10:12 GMT

OP your other good option would be PenFed. Both are awesome credit unions to work with! And thanks for your service! 🇺🇸🇺🇸

You can get your scores for $1 for a 7 day trial at credit check total dot com. Just make sure you cancel before the 7 days is up

You can also get all of the score versions from myFICO.com as well

Note- PenFed uses what seems to be a proprietary score. And Navy uses an older model, NOT FICO8.

Re: Additional documents...

JR_TX — Tue, 21 Feb 2017 22:07:44 GMT

@OP ;

First of all, Welcome to myFico forum and Thank you so much for your service.

Here's a free Experian score you can get from discover (don't have to be a card holder). Amex, Chase and Citi use EX. It's not what NFCU and Penfed use but just to kind of get a glimpse of your credit score....

https://www.creditscorecard.com/registration

P.S. I highly recommend Penfed.

Re: Additional documents...

Anonymous — Wed, 22 Feb 2017 00:06:15 GMT

Soooo, I've tried it twice and each time I get a "whoops, looks like there was an error on our end, please try again later"
I also have to use a new email each time... so frustrating... has anyone else tried it today?!

Re: Additional documents...

Anonymous — Wed, 22 Feb 2017 00:12:05 GMT

I had my wife do it and it worked perfectly! 😡 There is SOMETHING being flagged on my credit apps that is preventing anything from going through! Anyone have any idea of what it could be? Or who I should contact to fix it?!

Re: Additional documents...

Anonymous — Wed, 22 Feb 2017 21:32:11 GMT

Turns out there was a security alert on my experience report. I had that removed, and I thought that would fix everything. I still cannot get through the Discover link that was posted above.

Re: Additional documents...

Anonymous — Wed, 22 Feb 2017 22:23:20 GMT

Just don't give up. Sometimes we have to do things multiple times, even though it is frustrating. Welcome, by the way!

Re: Additional documents...

Anonymous — Thu, 23 Feb 2017 00:43:09 GMT

You just made my day! After taking a deep breath, I called Discover and they walked me through it... even though I had the fraud alerts removed, they are still showing up. (They said probably take 30-60 days to totally remove).

Anyways, Brittany (CSR) walked me through my app and I was approved for a $2000 Discover it card! 🙏🏻😍🇺🇸

Re: Additional documents...

Anonymous — Thu, 23 Feb 2017 01:38:21 GMT

Congrats on your new discover card!