topic Re: Applied For Walmart Card in Credit Cards

Applied For Walmart Card

Anonymous — Sun, 07 Dec 2008 18:01:16 GMT

I was denied and the reason was, In reaching this decision, your request was judgmentally reviewed and denied for the following reason(s):
UNABLE TO VERIFY IDENTITY OF APPLICANT

How is this possible. It seems they used Trans Union. I kinda confused how they couldn't verify my identity.

Re: Applied For Walmart Card

Anonymous — Sun, 07 Dec 2008 18:14:31 GMT

perhaps you should call them
.

Re: Applied For Walmart Card

Anonymous — Sun, 07 Dec 2008 18:15:41 GMT

I would call for a recon so they can ask you your previous address and such.

Re: Applied For Walmart Card

laz98 — Sun, 07 Dec 2008 18:26:55 GMT

that happened with my gf TWICE. they didn't try to call us or anything. she only has 2 addresses, her parents' (when she lived at home) & the house we live in now. i don't know what was so hard for them to identify.

we decided it wasn't worth it in the end.

Re: Applied For Walmart Card

guydiver — Sun, 07 Dec 2008 18:28:40 GMT

Same thing happened to me earlier this year. I applied at the cash register for the WM Discover card, got the same decline and reason: Unable to verify identity. I called the number on the cash register receipt, got a recording. Sent GEMB a letter with copies of my current GEMB statements. No response.....period.

Go figure.

Re: Applied For Walmart Card

wmarat — Sun, 07 Dec 2008 19:09:38 GMT

I have this card and I am deeply sorry for having it and I'll close it next August, unless GEMB changes it's uncomprehensable CL policies.

So, IMO, you missed nothing.

Re: Applied For Walmart Card

Anonymous — Sun, 07 Dec 2008 20:19:36 GMT

Thanks for the replies, it seems like the card isn't worth it.

Re: Applied For Walmart Card

haulingthescoreup — Sun, 07 Dec 2008 21:00:19 GMT

I do think that I remember that GEMB has issues with phone numbers on applications. If you list a cell phone instead of a land line, you can get denied with that "unable to verify identity" thing. And they never try to reach you, and unless you jump on it that very day, they'll do another hard inq, even though no normal person would consider that justifiable.

Re: Applied For Walmart Card

laz98 — Sun, 07 Dec 2008 21:08:53 GMT

@haulingthescoreup wrote:
I do think that I remember that GEMB has issues with phone numbers on applications. If you list a cell phone instead of a land line, you can get denied with that "unable to verify identity" thing. And they never try to reach you, and unless you jump on it that very day, they'll do another hard inq, even though no normal person would consider that justifiable.

this seems to be what happened with my gf. at the time, we only had cell phones, so they might not have liked that. then again, i applied for 3 different gemb cards in october, & didn't have any problem getting them.

& yep, walmart sure did slap 2 hard inquiries on her reports! jerk faces!