topic Re: FNBO Biz Evergreen - Denied in Business Credit

FNBO Biz Evergreen - Denied

Anonymous — Thu, 24 Jun 2021 19:54:56 GMT

Was prequalified on both persona/business prequals for highest limits and lowest APR's. Went to 7-10 day whatever message.

Next morning received an email saying app has been updated and to click link > denied.

Business 4+ years

Average Revenue $5-8m annual

SBA EIDL Loan

1% Credit Usage.

Personal Credit 800+ EX they pulled.

6 recent inquiries the past 10 days.

2 car loans under the business just reported as paid before applying

Might be the inquiries idk will get the letter next week or so.

Re: FNBO Biz Evergreen - Denied

MmmarkAz — Thu, 24 Jun 2021 20:57:47 GMT

@Anonymous

Bummer, That's too bad..

FNBO & PenFed did that to me too, Prequalified, then Do Hard Pull and Denied! & My US Bank did 3 HP's.. They're Hard Pull Happy! Lol.. at Least I

Got my US Bank Biz Cash though.. Looks Like they're INQ's Sensitive <Because Everything Else Looks Great!

Re: FNBO Biz Evergreen - Denied

Anonymous — Thu, 24 Jun 2021 21:01:56 GMT

@MmmarkAz wrote:
@Anonymous
Bummer, That's too bad..
FNBO & PenFed did that to me too, Prequalified, then Do Hard Pull and Denied! & My US Bank did 3 HP's.. They're Hard Pull Happy! Lol.. at Least I
Got my US Bank Biz Cash though.. Looks Like they're INQ's Sensitive <Because Everything Else Looks Great!

Check with Desert Financial CU they're Elan bank as well same as us bank. Us bank/Desert = 3 new cards same day instant approved.

Re: FNBO Biz Evergreen - Denied

MmmarkAz — Thu, 24 Jun 2021 21:10:41 GMT

@Anonymous OK! I've Heard of Them, Hope They Pull TU, I Got 2 Approvals this Week With Credit Unions, Big SL's for Me, I'll Post in Personal Approvals! & Check out Desert Financial.. Thanks!

Re: FNBO Biz Evergreen - Denied

babygirl1256 — Thu, 24 Jun 2021 21:20:42 GMT

Gosh, so sorry your FNBO Biz Evergreen was denied -but- congrats on your US Bank/Desert 3 new cards with same day instant approval.

Re: FNBO Biz Evergreen - Denied

jaxstraw — Thu, 24 Jun 2021 21:52:51 GMT

@Anonymous wrote:
Was prequalified on both persona/business prequals for highest limits and lowest APR's. Went to 7-10 day whatever message.
Next morning received an email saying app has been updated and to click link > denied.

Business 4+ years
Average Revenue $5-8m annual
SBA EIDL Loan
1% Credit Usage.
Personal Credit 800+ EX they pulled.
6 recent inquiries the past 10 days.
2 car loans under the business just reported as paid before applying

Might be the inquiries idk will get the letter next week or so.

I've got like 25-30 inq on my EX and was approved.

And you have been crushing it lately with approvals but they are so recent they shouldn't have factored in.

I'd definitely recon.

Re: FNBO Biz Evergreen - Denied

AzCreditGuy — Thu, 24 Jun 2021 22:17:20 GMT

@Anonymous wrote:
Was prequalified on both persona/business prequals for highest limits and lowest APR's. Went to 7-10 day whatever message.
Next morning received an email saying app has been updated and to click link > denied.

Business 4+ years
Average Revenue $5-8m annual
SBA EIDL Loan
1% Credit Usage.
Personal Credit 800+ EX they pulled.
6 recent inquiries the past 10 days.
2 car loans under the business just reported as paid before applying

Might be the inquiries idk will get the letter next week or so.

Hmmm interesting My personal is 800+

1% UTI

Im being told TU for me?

just tried to hit the continue button to see what I get approved and nothing? This is the second it has done this? Im taking this as a warning?

Re: FNBO Biz Evergreen - Denied

Anonymous — Thu, 24 Jun 2021 23:48:40 GMT

@AzCreditGuy wrote:
Hmmm interesting My personal is 800+
1% UTI
Im being told TU for me?

just tried to hit the continue button to see what I get approved and nothing? This is the second it has done this? Im taking this as a warning?

lol maybe its an anti-AZ thing? as long as youre not taking dings trying to submit its not bad hah

Re: FNBO Biz Evergreen - Denied

Anonymous — Thu, 24 Jun 2021 23:49:15 GMT

@MmmarkAz wrote:
@Anonymous OK! I've Heard of Them, Hope They Pull TU, I Got 2 Approvals this Week With Credit Unions, Big SL's for Me, I'll Post in Personal Approvals! & Check out Desert Financial.. Thanks!

they pull the same as USBank I think Experian(?)

Re: FNBO Biz Evergreen - Denied

Anonymous — Thu, 24 Jun 2021 23:50:12 GMT

@jaxstraw wrote:
@Anonymous wrote:
Was prequalified on both persona/business prequals for highest limits and lowest APR's. Went to 7-10 day whatever message.
Next morning received an email saying app has been updated and to click link > denied.

Business 4+ years
Average Revenue $5-8m annual
SBA EIDL Loan
1% Credit Usage.
Personal Credit 800+ EX they pulled.
6 recent inquiries the past 10 days.
2 car loans under the business just reported as paid before applying

Might be the inquiries idk will get the letter next week or so.

I've got like 25-30 inq on my EX and was approved.
And you have been crushing it lately with approvals but they are so recent they shouldn't have factored in.
I'd definitely recon.

waiting on the letter to see the reason as its the 1800's and impossible for their company to know things w out seeing the letter they sent me which they are clueless about lmao.

Re: FNBO Biz Evergreen - Denied

Anonymous — Thu, 24 Jun 2021 23:53:05 GMT

@babygirl1256 wrote:
Gosh, so sorry your FNBO Biz Evergreen was denied -but- congrats on your US Bank/Desert 3 new cards with same day instant approval.

lol those were last year

I got a few business cards though Citi AA, Home Depot, Staples, Wells Fargo Platinum & BLOC and Chase Ink card the past 7 days so im not too butthurt lol

Re: FNBO Biz Evergreen - Denied

MmmarkAz — Thu, 24 Jun 2021 23:56:41 GMT

@AzCreditGuy I Did the FNBO PreqQual Site 4-5 times and NOTHING, Then I Noticed a Small Circle above and Checked It, Then It Went Through..

Hope that's It! Good Luck!

Re: FNBO Biz Evergreen - Denied

Anonymous — Fri, 25 Jun 2021 00:15:54 GMT

did u get the evergreen biz Mark?

Re: FNBO Biz Evergreen - Denied

MmmarkAz — Fri, 25 Jun 2021 00:26:16 GMT

@Anonymous No I Got Denied a While Back But it's on My List,

Still Looking into Desert Financial, I Remember when they were Desert Schools.. I'd Like to Build more Biz Credit, Got 4 Recently Just Starting..

Re: FNBO Biz Evergreen - Denied

bizcredit11 — Sun, 27 Jun 2021 00:19:44 GMT

@Anonymous I would have saved FNBO for last as well.

Based on @jaxstraw experience you should get approved. Are you planning on recon?

You've had a great run/spree nonetheless.

bizcredit11

Re: FNBO Biz Evergreen - Denied

Anonymous — Sun, 27 Jun 2021 05:22:54 GMT

@bizcredit11 wrote:
@Anonymous I would have saved FNBO for last as well.

Based on @jaxstraw experience you should get approved. Are you planning on recon?

You've had a great run/spree nonetheless.

bizcredit11

unfamiliar w jax experience. What happened? I'll recon when I get the letter. Our in 110° heat shooting machine guns and working on one of my trucks 😂

Re: FNBO Biz Evergreen - Denied

AzCreditGuy — Tue, 29 Jun 2021 16:12:15 GMT

Just called to see what my application status is and it’s "pending" a credit decision? Per automated system… Got approved by Wells for $25k, hoping FNBO gives me $15k

Re: FNBO Biz Evergreen - Denied

SouthJamaica — Tue, 29 Jun 2021 16:41:52 GMT

@MmmarkAz wrote:
@AzCreditGuy I Did the FNBO PreqQual Site 4-5 times and NOTHING, Then I Noticed a Small Circle above and Checked It, Then It Went Through..
Hope that's It! Good Luck!

I had that same problem. Was supposed to "select" the one card that was shown

Re: FNBO Biz Evergreen - Denied

SouthJamaica — Tue, 29 Jun 2021 16:43:37 GMT

@MmmarkAz wrote:
@Anonymous
Bummer, That's too bad..
FNBO & PenFed did that to me too, Prequalified, then Do Hard Pull and Denied! & My US Bank did 3 HP's.. They're Hard Pull Happy! Lol.. at Least I
Got my US Bank Biz Cash though.. Looks Like they're INQ's Sensitive <Because Everything Else Looks Great!

I'm starting to think these FNBO Business card "prequalifications" are nothing on nothing.

Re: FNBO Biz Evergreen - Denied

MmmarkAz — Tue, 29 Jun 2021 17:10:51 GMT

@SouthJamaica

Yeah, They Lure You In to Apply Then Get Denied, You Would Think Their Prequalify Is more Solid.. I Did Get an Email from My America First Credit Union last week After 1.5yrs to Apply for Visa Signature Rewards Card Instantly Approved! I'm Definitely Gardening for 6-7mos Now! Thanks!