topic Re: Bloomingdales DENIAL REASON??? in Credit Cards

Bloomingdales DENIAL REASON???

Anonymous — Fri, 03 Aug 2007 23:45:09 GMT

I recently applied for a Bloomingdales store card....thought it would be cool to have when I go to New York in October. I got a letter in the mail today that it was denied for the following reasons:

1.) too many credit checks

2.) too many inquiries

The first reason is what threw me off. Is "too many credit checks" not the same as "too many inquiries"? Now, I did notice when I pull my reports, the pulls do show up under soft pulls....which means nobody sees this but me, right? So what could they possibly be talking about?

Should I send a recon letter or just let it be???? Thanks!

Re: Bloomingdales DENIAL REASON???

Anonymous — Sat, 04 Aug 2007 01:02:53 GMT

Hey Flygirl

Ummm, the credit checks reason is probably that they see that you've done the soft inquiries, that blows and is not reason to deny you, but that's just my personal opinion.

I would only do the reconn if you need the card, if not, let it be.

MHO

-trini

Re: Bloomingdales DENIAL REASON???

Anonymous — Sat, 04 Aug 2007 01:16:57 GMT

Hey Hey trini....did you decide to resurface?? Became a "Super" and then poof....no trini!! JK

Anyway....I though that potential creditors could not see the soft inquiries??? Am I confused or is it just time to dye the locks brown???? HA HA

Re: Bloomingdales DENIAL REASON???

Anonymous — Sat, 04 Aug 2007 01:20:27 GMT

Don't feel bad I was denied a wally world card and am sending this letter

tommorow in wich case I actually feel pretty pathetic in doing so..

Hello,

I am writing requesting reconsideration of the denial of my recent walmart card application.
It appears I was denied after you pulled my Equifax report for the following reasons.

DELINQUENCY ADVERSE PUBLIC RECORD OR COLLECTION
TOO FEW ACCOUNTS CURRENTLY PAID AS AGREED
TIME SINCE ADVERSE PUBLIC RECORD OR COLLECTION

I agree that the items listed are indeed on my report and I ask that you reconsider
due to the fact that in the last 6 months I have been paying off my old debt and
have been in the process of reestablishing my credit, My equifax fico score has
gone up 60+ points since january and I am in the process of paying off the remainder
of my negative items at this time wich should take less than 2 months to acomplish,
I am also starting a new job on the 24th of august for Boeing Co. wich will be
paying me a salary in excess of 124,000 a year, and as I am not asking for a
large trade line with you but one that will continue the positive direction I am
heading into and I wish that you reconsider in good faith and allow me a chance to
restablish some small positive trade lines.

I appreciate your taking the time to reconsider my application.

Sincerely, (numbnuts)

Re: Bloomingdales DENIAL REASON???

Anonymous — Sat, 04 Aug 2007 01:24:53 GMT

flygirl wrote:
Hey Hey trini....did you decide to resurface?? Became a "Super" and then poof....no trini!! JK

Anyway....I though that potential creditors could not see the soft inquiries??? Am I confused or is it just time to dye the locks brown???? HA HA

I'm the victim of a nasty a$$ work week I had to focus and when I'm on here, I get nothing done......lol

Well initially I thought they couldn't see it, but then I thought about everything I read and nothing says soft inquiries cannot be seen, all they said was soft inquiries do not affect your score....AHA! Sucks I know Soft and hard inquiries are coded differently is all, one affects, one doesn't.

And once they can see it, they can factor it in I suppose, which justs blows!

Re: Bloomingdales DENIAL REASON???

Anonymous — Sat, 04 Aug 2007 01:50:45 GMT

Too many credit checks? What the heck does that mean??

Re: Bloomingdales DENIAL REASON???

Anonymous — Sat, 04 Aug 2007 02:47:11 GMT

trinigal wrote:

flygirl wrote:
Hey Hey trini....did you decide to resurface?? Became a "Super" and then poof....no trini!! JK

Anyway....I though that potential creditors could not see the soft inquiries??? Am I confused or is it just time to dye the locks brown???? HA HA

I'm the victim of a nasty a$$ work week I had to focus and when I'm on here, I get nothing done......lol

Well initially I thought they couldn't see it, but then I thought about everything I read and nothing says soft inquiries cannot be seen, all they said was soft inquiries do not affect your score....AHA! Sucks I know Soft and hard inquiries are coded differently is all, one affects, one doesn't.
And once they can see it, they can factor it in I suppose, which justs blows!

But on one of my reports, above the soft inquiry list it specifically says that these items are only viewed by me. I don't get it...................

Re: Bloomingdales DENIAL REASON???

Anonymous — Sat, 04 Aug 2007 02:49:05 GMT

TexMontana wrote:
Too many credit checks? What the heck does that mean??

Hey Tex!!! I don't know and I am still trying to figure it out!!! Makes no sense to me!!

Re: Bloomingdales DENIAL REASON???

Anonymous — Sat, 04 Aug 2007 02:52:55 GMT

trinigal,

In the section on my hard copy report for soft pulls:

EQ says: Inquiries that do not display to companies ( do not impact your credit score )

(this section includes inquiries which display only to you and are not considered when evaluating your credit worthiness.....etc...etc...)

Re: Bloomingdales DENIAL REASON???

Anonymous — Sat, 04 Aug 2007 14:55:12 GMT

so_confused wrote:
trinigal,
In the section on my hard copy report for soft pulls:
EQ says: Inquiries that do not display to companies ( do not impact your credit score )
(this section includes inquiries which display only to you and are not considered when evaluating your credit worthiness.....etc...etc...)

Thanks!

Well now that just makes it even more puzzling, don't it?

Flygirl, I am a loss then.

Made a decision on whether you're going to reconn. yet?

Re: Bloomingdales DENIAL REASON???

Anonymous — Sat, 04 Aug 2007 15:58:22 GMT

@Anonymous wrote:
I recently applied for a Bloomingdales store card....thought it would be cool to have when I go to New York in October. I got a letter in the mail today that it was denied for the following reasons:
1.) too many credit checks
2.) too many inquiries
The first reason is what threw me off. Is "too many credit checks" not the same as "too many inquiries"? Now, I did notice when I pull my reports, the pulls do show up under soft pulls....which means nobody sees this but me, right? So what could they possibly be talking about?
Should I send a recon letter or just let it be???? Thanks!

I think they automatically give you 2 reasons. Since the only reason is inquiries they listed it twice. They are both the same thing in my opinion. Why they are worded different no idea? Personally it would annoy me and I would call them to find out exactly what it meant.

May I ask how many inquiries you have?

Re: Bloomingdales DENIAL REASON???

Anonymous — Sat, 04 Aug 2007 16:31:18 GMT

you bet!! i checked this morning, and there are 7 inquiries for 2007.

Re: Bloomingdales DENIAL REASON???

iLiveCredit — Wed, 08 Jul 2009 16:33:28 GMT

Last night, Bloomingdales instantly denied me for:

Slow to pay - Capital One CO from 2005, that I paid (when I didn't know any better, smh)
Nonpayment - AFNI; CA hired by AT&T Mobility (for a phone that I never had—currently being investigated)

The supervisor I spoke with informed that the 'nonpayment' account was the real 'killer'. Now correct me if I'm wrong, I was under the impression that items were NOT calculated while under investigation, can anyone chime in on this matter?