topic Re: Apple Card Application Error in Credit Card Applications

Apple Card Application Error

anik28 — Wed, 22 Dec 2021 21:19:53 GMT

I've been trying to apply for the Apple Card and keep receiving this same error message. I've waited over 30 days so I know it's not a duplicate application message.

when I've called Goldman Sachs they tell me to make sure TU has all my correct information because it may be not matching my application. Has anyone solved this before and gotten approved?

Re: Apple Card Application Error

Trini88 — Wed, 22 Dec 2021 16:44:17 GMT

Months.....I've gotten that message for months. I even made sure my name and everything completely matched up with my iCloud. My Apple ID use to reflect my maiden name only not my maiden-married last name. Only thing I did different before approval was get a new ID (old one was issued in a different state and not those new Real IDs) and not apply for 2 months. After that, I applied, they asked for my ID and less than a hour later I was approved.

Re: Apple Card Application Error

anik28 — Wed, 22 Dec 2021 17:06:50 GMT

@Trini88 thanks for the insight, I'm going to wait a few months before trying again. It doesn't ask me for my ID, just gives me this message.

I'm gardening right now but always check the apple soft approval to see if anything comes up. Hopefully in the next 3 months this error message will stop displaying.

Re: Apple Card Application Error

Trini88 — Wed, 22 Dec 2021 17:32:04 GMT

@anik28 wrote:
@Trini88 thanks for the insight, I'm going to wait a few months before trying again. It doesn't ask me for my ID, just gives me this message.

I'm gardening right now but always check the apple soft approval to see if anything comes up. Hopefully in the next 3 months this error message will stop displaying.

It never asked for my ID until I waited 2 months. I always just got that same message you got. Only after waiting those 2 months did it finally ask for ID.

Re: Apple Card Application Error

OmarGB9 — Wed, 22 Dec 2021 20:41:56 GMT

You also might want to check the third party smaller bureaus such as LexisNexis, SageStream, Early Warning Services (EWS) and make sure all of your information is correct on there.

Re: Apple Card Application Error

anik28 — Thu, 23 Dec 2021 06:14:05 GMT

@OmarGB9 any idea how I even get in contact with any of those smaller CRA's?

Re: Apple Card Application Error

Junejer — Thu, 23 Dec 2021 15:21:21 GMT

@anik28 wrote:
@OmarGB9 any idea how I even get in contact with any of those smaller CRA's?

I Googled them and followed the instructions to pull my reports. Be ready for some serious pages on LexisNexis. I had 122 pages in my report. More than half was addresses and many variations of misspelled names for me.

Re: Apple Card Application Error

RonelTheGeek — Thu, 23 Dec 2021 22:59:16 GMT

Yep, i've seen this happen before, it happened to me before i eventually got approved. basically you've applied too many times and possible information you provided between apps may not have matched, so what i did was wait 90days and was approved instantly on the 91th day.

and when i got this error, it may have been between variations of including my middle name or middle initial or not including it at all. what worked for me is making sure that if my Drivers License had my middle name, that it matched my same as the app.

Good luck, let it cool off, you will get it.

Re: Apple Card Application Error

NoMoreE46 — Fri, 24 Dec 2021 02:56:00 GMT

@Junejer wrote:
@anik28 wrote:
@OmarGB9 any idea how I even get in contact with any of those smaller CRA's?
I Googled them and followed the instructions to pull my reports. Be ready for some serious pages on LexisNexis. I had 122 pages in my report. More than half was addresses and many variations of misspelled names for me.

How reassuring and refreshing...

Re: Apple Card Application Error

anik28 — Sat, 25 Dec 2021 22:38:07 GMT

@RonelTheGeek my middle name is listed on my DL, but I don't see a field to enter a middle name when applying. It's super annoying to not know what piece of information is kicking it out..

Re: Apple Card Application Error

RonelTheGeek — Sun, 26 Dec 2021 00:08:35 GMT

@anik28

Yeah what I was told by GS customer service was on the app when applying the first name field should contain first space middle name

First Name: John Joe

Last Name: Doe

so that's how I put my middle name which matched my license . Hope this helps. But the key thing now for you to is give it some times for the attempts to cool off before applying again

Re: Apple Card Application Error

pinkandgrey — Sun, 26 Dec 2021 14:13:25 GMT

I did get that message at one point and it stuck for a long time. I ended up chatting with a rep and requesting that the entire application be withdrawn. I reapplied the next day or so and the rest is history lol.
Good luck!

Re: Apple Card Application Error

Junejer — Mon, 27 Dec 2021 03:04:09 GMT

@NoMoreE46 wrote:
@Junejer wrote:
@anik28 wrote:
@OmarGB9 any idea how I even get in contact with any of those smaller CRA's?
I Googled them and followed the instructions to pull my reports. Be ready for some serious pages on LexisNexis. I had 122 pages in my report. More than half was addresses and many variations of misspelled names for me.
How reassuring and refreshing...

I was quite surprised by this. I wanted to try to clean it up, but the task is just too daunting. It will have to remain as is. I feel like it will be a full time job for the next 6 - 12 months or so. No thanks!

Re: Apple Card Application Error

coldfusion — Mon, 27 Dec 2021 12:41:23 GMT

@Junejer wrote:
@NoMoreE46 wrote:
@Junejer wrote:
@anik28 wrote:
@OmarGB9 any idea how I even get in contact with any of those smaller CRA's?
I Googled them and followed the instructions to pull my reports. Be ready for some serious pages on LexisNexis. I had 122 pages in my report. More than half was addresses and many variations of misspelled names for me.
How reassuring and refreshing...
I was quite surprised by this. I wanted to try to clean it up, but the task is just too daunting. It will have to remain as is. I feel like it will be a full time job for the next 6 - 12 months or so. No thanks!

It isn't very hard. A number of years ago I successfully disputed off with a single letter + supporting info more than 400 pages of crap that had been placed on my LN consumer report. Other peoples SSN, info, mortgages that weren't mine, even the death notice of someone with the same alias from a different state were all on my report. Much like disputing credit info the process itself can take a couple of months from start to finish but insofar as time spent and effort expended it wan't bad.

Re: Apple Card Application Error

Junejer — Tue, 28 Dec 2021 06:03:28 GMT

I suppose if it were causing me some current pain, I might be more motivated to tackle it…

@coldfusion wrote:
@Junejer wrote:
@NoMoreE46 wrote:
@Junejer wrote:
@anik28 wrote:
@OmarGB9 any idea how I even get in contact with any of those smaller CRA's?
I Googled them and followed the instructions to pull my reports. Be ready for some serious pages on LexisNexis. I had 122 pages in my report. More than half was addresses and many variations of misspelled names for me.
How reassuring and refreshing...
I was quite surprised by this. I wanted to try to clean it up, but the task is just too daunting. It will have to remain as is. I feel like it will be a full time job for the next 6 - 12 months or so. No thanks!
It isn't very hard. A number of years ago I successfully disputed off with a single letter + supporting info more than 400 pages of crap that had been placed on my LN consumer report. Other peoples SSN, info, mortgages that weren't mine, even the death notice of someone with the same alias from a different state were all on my report. Much like disputing credit info the process itself can take a couple of months from start to finish but insofar as time spent and effort expended it wan't bad.