topic Re: PSA: Goldman Sachs / AppleCard HP ChexSystems in Credit Card Applications

PSA: Goldman Sachs / AppleCard HP ChexSystems

Anonymous — Thu, 21 Oct 2021 17:08:47 GMT

To all existing and aspiring AppleCard owners be aware that Goldman Sachs is pulling your ChexSystems report. While doing some routine CRA checking I noticed GS pulled my ChexSystems report in relation to my application and approval. Whether or not this DP may be the cause of approval "Issues" for many is unknown currently but im sure it factors into the process. If you havent pulled your CS report recently I suggest you do and take a look. If you have some bumps in there, you may want to address them.

Re: PSA: Goldman Sachs / AppleCard HP ChexSystems

FinStar — Thu, 21 Oct 2021 17:43:39 GMT

I think I had seen this happen before with some members. So, you pulled your ChexSystems report and you're seeing a GS inquiry? I know they've pulled CoreLogic in the past.

Re: PSA: Goldman Sachs / AppleCard HP ChexSystems

Anonymous — Thu, 21 Oct 2021 18:47:53 GMT

@FinStar Pulled CS to recon in preparation for some CU activity and GS was sitting front and center.

Re: PSA: Goldman Sachs / AppleCard HP ChexSystems

FinStar — Thu, 21 Oct 2021 18:54:39 GMT

@Anonymous wrote:
@FinStar Pulled CS to recon in preparation for some CU activity and GS was sitting front and center.

And, just to avoid confusion for others, this is in connection with an initial application and subsequent approval of the Apple Card, correct? Not, CLI requests.

Re: PSA: Goldman Sachs / AppleCard HP ChexSystems

cashorcharge — Thu, 21 Oct 2021 20:19:43 GMT

@FinStar wrote:
@Anonymous wrote:
@FinStar Pulled CS to recon in preparation for some CU activity and GS was sitting front and center.
And, just to avoid confusion for others, this is in connection with an initial application and subsequent approval of the Apple Card, correct? Not, CLI requests.

I had a Chex pull for my initial application but haven't received another for the subsequent and multiple CLI's requested since then.

Re: PSA: Goldman Sachs / AppleCard HP ChexSystems

Anonymous — Thu, 21 Oct 2021 20:38:54 GMT

@FinStar wrote:
@Anonymous wrote:
@FinStar Pulled CS to recon in preparation for some CU activity and GS was sitting front and center.
And, just to avoid confusion for others, this is in connection with an initial application and subsequent approval of the Apple Card, correct? Not, CLI requests.

New app.

Re: PSA: Goldman Sachs / AppleCard HP ChexSystems

4sallypat — Fri, 22 Oct 2021 00:03:18 GMT

Same here - checked when I first applied in 2019.

3 CLI later and nothing on ChexSystems and no HP.

Re: PSA: Goldman Sachs / AppleCard HP ChexSystems

CreditCuriosity — Fri, 22 Oct 2021 13:43:28 GMT

Yes known fact they pull Chexs. Thanks for reminder to new applications

Re: PSA: Goldman Sachs / AppleCard HP ChexSystems

Anonymous — Fri, 22 Oct 2021 14:32:19 GMT

@CreditCuriosity wrote:
Yes known fact they pull Chexs. Thanks for reminder to new applications

Good to know. In all the approval and denial posts (fairly recent), didn't read any mention of CS. Only TU. Many only associate CS with CU membership or deposit account apps, not CCs.

Re: PSA: Goldman Sachs / AppleCard HP ChexSystems

CreditCuriosity — Fri, 22 Oct 2021 22:29:04 GMT

@Anonymous wrote:
@CreditCuriosity wrote:
Yes known fact they pull Chexs. Thanks for reminder to new applications
Good to know. In all the approval and denial posts (fairly recent), didn't read any mention of CS. Only TU. Many only associate CS with CU membership or deposit account apps, not CCs.

Read alot of approvals ppl freeze their chexs then get approved initially denied due to most likely a baddy on their chexs. Cant talk about freezing one of the 3 majors on here, but chexs freezing is fair game as far as i know with legal.

Re: PSA: Goldman Sachs / AppleCard HP ChexSystems

Anonymous — Tue, 02 Nov 2021 19:55:25 GMT

@CreditCuriosity wrote:
Read alot of approvals ppl freeze their chexs then get approved initially denied due to most likely a baddy on their chexs. Cant talk about freezing one of the 3 majors on here, but chexs freezing is fair game as far as i know with legal.

Another DP BTW. Chex was Icy at the time of App. Not intentional as I always keep "everything" Icy for Security purposes and wasnt aware they even pull Chex. Not sure how they got through but the HP is there. Interdasting to say the least.