topic Re: CareCrefit Denial Unable to Verify Identity in Credit Card Applications

CareCrefit Denial Unable to Verify Identity

Morphyyy — Mon, 19 Oct 2020 04:28:44 GMT

Anything you can do for being denied for unable to verify identity? Have a Lowe's card with $12k and 700 score across all 3 figured they would approve carecredit

Re: CareCrefit Denial Unable to Verify Identity

AverageJoesCredit — Mon, 19 Oct 2020 12:06:16 GMT

@Morphyyy wrote:
Anything you can do for being denied for unable to verify identity? Have a Lowe's card with $12k and 700 score across all 3 figured they would approve carecredit

Having another Sync card doesnt translate to getting approved for another. All have different underwriting. However ive run across this at times when soliciting cli even though i have multiple accounts. I think its some kind of weird glitch. You should call and explain the reason given. Sometimes this csn be solved by the csr by actually taking your info and them verifying you on the phone. Its the only true revon ive seen with Sync.

Re: CareCrefit Denial Unable to Verify Identity

FinStar — Mon, 19 Oct 2020 16:30:29 GMT

@Morphyyy wrote:
Anything you can do for being denied for unable to verify identity? Have a Lowe's card with $12k and 700 score across all 3 figured they would approve carecredit

Have you received a letter which may provide a way for you to contact them and rectify the identity verification issue?

Re: CareCrefit Denial Unable to Verify Identity

gingerflower — Tue, 20 Oct 2020 16:17:46 GMT

@Morphyyy

I would definitely call Customer service and explain the denial and ask to have a manual application. My experience cust service will ask secured question for approval decision. Just my opinion..Good luck!

Re: CareCrefit Denial Unable to Verify Identity

Meanmchine — Tue, 20 Oct 2020 23:39:18 GMT

Synchrony normally does not recon.

Good luck

Re: CareCrefit Denial Unable to Verify Identity

AverageJoesCredit — Tue, 20 Oct 2020 23:46:05 GMT

@Meanmchine wrote:
Synchrony normally does not recon.
Good luck

This is true but the only recons we have seen have been this type of denial where identity cant be verified. There may be a slim chance for Op especially if they can verify his cell and other personal id over phone.

Re: CareCrefit Denial Unable to Verify Identity

Morphyyy — Sun, 25 Oct 2020 06:31:05 GMT

Synchrony Bank has received your request for a credit account with CARECREDIT.To protect your identity, we checked data sources to verify information on your application. These databasesmay include, but are not limited to, public records, phone directories or social security databases.Additionally, our customer service agent might have asked you questions to verify your identity.Unfortunately, based on results of these checks, we are unable to confirm your identity with enoughconfidence to approve your application at this time.Thank you for your application. If you have any questions on this letter or our decision to decline your application, pleasewrite us at the address above.Sincerely,Synchrony Bank

This is what they sent me. I'm getting ready to try and recon this is the second time this has happened which confuses me because I have a card with them right now that had no issues being verified...

Re: CareCrefit Denial Unable to Verify Identity

coldfusion — Sun, 25 Oct 2020 12:35:58 GMT

As an aside I suggest you get (free) copies of your LexisNexis consumer report and your SageStream credit report and check for errors an inconsistencies. There could have been conflicting or contradictory information added to your report, especially data from someone else with the same name or alias, including SSN information.

Re: CareCrefit Denial Unable to Verify Identity

Morphyyy — Mon, 26 Oct 2020 06:27:50 GMT

Thank you

Re: CareCrefit Denial Unable to Verify Identity

MudkipsRKooL — Tue, 27 Oct 2020 09:23:53 GMT

I tried to prequal. I gave my email and phone number, at the end it tried to verify my ID. It gave my brother's phone number and my dad's old number as verification. I hit pass, so was unable to see the $$$ amount. Sorta sucks if they are using old info (dad's old number) and my brother. Any of you guys got the same thing?

Re: CareCrefit Denial Unable to Verify Identity

coldfusion — Tue, 27 Oct 2020 10:32:16 GMT

Same suggestion I made above applies to you too. Data miners screw this stuff up all the time, but while the process can be a bit slow inaccurate or incorrect info can be disputed off your LN report.

Re: CareCrefit Denial Unable to Verify Identity

Morphyyy — Mon, 02 Nov 2020 23:35:20 GMT

I will have to check on that because most of the applications I have ever put in they make me verify ID and answer questions and most of the questions have nothing to do with a mortage loan I've never had or somewhere I've never lived so I always have to click none of the above and it fails me........

Re: CareCrefit Denial Unable to Verify Identity

Rudy1 — Tue, 03 Nov 2020 19:23:32 GMT

This happened to me before and then about 4 months later I got a letter saying that message was an error and I was denied due to my amount of hard inquiries.