topic Re: US BANK CC in Credit Cards

US BANK CC

TravellingNomad — Tue, 28 Jun 2011 21:58:36 GMT

I applied for a US Bank Flexperks Cash Rewards Visa card and went into review. I called their underwriting department and i was told that it was denied mainly because of the reason showing on my report about a judgement. she said that judgement status was still saying pending on the CB report. i advised rep that it has been paid, but no go. she said even if it has been paid, they go by the information showing on the CR. i told her that if she notices on my report, it says it's currently on dispute and that i've been disputing the status of it for the past few weeks. she could tell i was bummed about it so she told me that if i can get the satisfaction of judgement document over to them, that would clear it up and she can then submit it for approval review. i contacted the court to order copy of document, but unfortunately, since judgement was before Nov 2007, it's not in electronic form for me to just obtain it from their online library. i have to order it and takes about 7 days for the clerk to get it from storage and deliver it to the court recorder's office for me to copy. i contacted the law office that handled the lawsuit to get the letter from them, but i was told that i'd have to wait for one of the lawyer they transferred my call to review the account and get the letter to me.

at least there's a light at the end of the tunnel...if the lawyer calls me within the next couple of days and get me the satisfaction letter. i sure would hate to have wasted a good HP for an approval pending on how fast some other people can get me the needed document.

Re: US BANK CC

brian2220 — Tue, 28 Jun 2011 23:37:54 GMT

good luck

my review took two weeks so you may get lucky if you get the paper

Re: US BANK CC

KIPPIE12 — Wed, 29 Jun 2011 00:26:22 GMT

Good luck! Seems that they are willing to work with you at least. Sure beats a flat out denial. Keep us all posted on the outcome.

Re: US BANK CC

AndySoCal — Wed, 29 Jun 2011 02:23:48 GMT

Once you get that paperwork submit a copy of it to bureau(s) you are disputing the judgement with.

Re: US BANK CC

TravellingNomad — Wed, 29 Jun 2011 14:23:11 GMT

thanks everyone for the vote of confidence. i'm gonna call the court recorder's clerk office tomorrow to see if my file is ready for me to go see. if it is, since they close at 4 pm and i'd still be at work, the earliest i can go obtain a copy is on Tuesday. im hoping that between now and then the lawyer would contact me about faxing or emailing me a copy of the letter. i'll make sure to give an update on what happens.

AndySocal...yeah that's what im going to do. im sick and tired of EQ not correctly verifying the account and just keep showing it as pending. the credit analyst from discover cc was right on when she told me that's the item that's gonna give me a hard time since it's not showing the correct status information.

Re: US BANK CC

TravellingNomad — Sat, 02 Jul 2011 20:22:36 GMT

ok..just wanted to update this thread. i did not get anything in my fax from the law office that said they were going to fax the letter of satisfaction. so i took the day off yesterday and went straight to the courthouse yesterday morning. got a certified copy of the satisfaction of judgement paperwork, called the underwriting department, and faxed copy of the documents to a rep. he noted my account that i was faxing in the document. i called this morning and asked the status, if anything has changed. rep i spoke with said that he does see the note about me faxing in the documents yesterday, but nothing on the system yet. he said it usually takes about 2 business days for the document i faxed to be imaged and be able to be accessed in their system.

so...it's more of the waiting game. and i can't find out until wednesday the earliest because of monday being 4th of July. hopefully all the waiting is worth it. i really want to start a relationship with US Bank...not just with my newly opened checking account, but also lending relationship.

Re: US BANK CC

brian2220 — Sat, 02 Jul 2011 21:50:31 GMT

That is what I had in mind when I apped for us bank.
Here is an early congrats hopefully and good luck again and keep us updated

Re: US BANK CC

TravellingNomad — Wed, 06 Jul 2011 14:37:26 GMT

thanks brian. i called them yesterday and the rep i spoke with said that yes, they did receive the fax and is still being reviewed. told to call back either thursday or friday this week. *crossing fingers*

Re: US BANK CC

JonStur — Wed, 06 Jul 2011 20:58:46 GMT

You put I a lot of work hopefully it is about to pay off..

Re: US BANK CC

book1773 — Thu, 07 Jul 2011 09:46:03 GMT

I applied for the officemax us bank card and originally received a deniel

from them. But after calling the backdoor number the rep said I see you have a judgement from 2008

but its satisfied and I dont know why you were not approved. I am going to forward this to another department for review and

consideration. I will let you know what happens. They said I would receive a letter is 2-3 days

US Bank does have a phone number to check the status on an app but I am not sure

if its up to date information as mine still says its denied.

Check the Status of My Credit Card Application? Please call

800-947-1444and choose option 1 for the status of an application. The potential cardmember will be required to enter his/her social security number to locate the application. Additional verification item(s) will be needed to validate.

Re: US BANK CC

TravellingNomad — Thu, 07 Jul 2011 14:24:13 GMT

thanks for the words of support JohnStur. hopefully my next call to them will be with good news.

book1773...yeah that's their underwriting department number. that's one of the backdoor numbers to call for a recon. that's what i've been calling. and yeah, i don't think it updates it when it's in recon. but hopefully it's an approval for you soon!

Re: US BANK CC

book1773 — Thu, 07 Jul 2011 16:00:37 GMT

Thanks travellingnomad.. I hope everything works out for you as well. Let us

know what happens with the approval. I just called US Bank and my app is stil

under review and they said it takes about three days..

Re: US BANK CC

TravellingNomad — Thu, 07 Jul 2011 17:26:19 GMT

@book1773 wrote:

Thanks travellingnomad.. I hope everything works out for you as well. Let us
know what happens with the approval. I just called US Bank and my app is stil
under review and they said it takes about three days..

i just called them and the rep i spoke with said that right now, they're about 4-5 days out from reviewing. i guess they have a lot of requests for reviews. not the good news i was hoping to hear...but it's still not a "NO" so it's still good news. post back when you get your approval.

Re: US BANK CC

brian2220 — Tue, 12 Jul 2011 08:42:44 GMT

@TravellingNomad wrote:
thanks for the words of support JohnStur. hopefully my next call to them will be with good news.

book1773...yeah that's their underwriting department number. that's one of the backdoor numbers to call for a recon. that's what i've been calling. and yeah, i don't think it updates it when it's in recon. but hopefully it's an approval for you soon!

when i called that number it said my application was unable to be approved

but changed to under review and then approved

the bank manager i apped though had it sent back for review after being denied and that led to it being approved

and i was also approved for a reserve line of credit

Re: US BANK CC

book1773 — Thu, 07 Jul 2011 19:31:33 GMT

Brain I am glad to hear you got approved. I think a lot of these automated

systems have flaws and if the banks would really look at each app carefully they

would see a lot of potential to have some realiable customers and more money in

there pockets..

Re: US BANK CC

TravellingNomad — Mon, 11 Jul 2011 18:05:01 GMT

well, unfortunately, my recon was denied. i called today and spoke to an underwriting rep. she told me that the application was denied because of the verizon CO. what confuses me is that she never mentioned anything about the documents i faxed so i mentioned that i faxed something to them a week ago. she asked me what it was and told her it was the satisfaction of judgement letter from the court. i also told her that when i called beginning of the month, one of their reps told me that it was the judgement that held it up and asked me to fax the letter. she then asked me when i faxed it. she then replies back saying that everything was reviewed and still denied.

i was going to let it go but then i just did not feel comfortable with how the conversation. so i called back after an hour and spoke to another rep. i explained how i was asked to fax documents. rep asked me again when i sent the fax, but this time, she said that she does not see anything in their system as far as the documents i faxed to them so she asked me to fax over again to her.

i just don't get it. because when i called early last week, the rep i spoke with at that time verified that there was a note indicated on the file that fax was received. guess will just have to fax again tomorrow. i wonder if it's any better if i go into the branch near my house to bring the documents and have the local branch handle it for me?

Re: US BANK CC

brian2220 — Mon, 11 Jul 2011 22:08:45 GMT

@TravellingNomad wrote:
well, unfortunately, my recon was denied. i called today and spoke to an underwriting rep. she told me that the application was denied because of the verizon CO. what confuses me is that she never mentioned anything about the documents i faxed so i mentioned that i faxed something to them a week ago. she asked me what it was and told her it was the satisfaction of judgement letter from the court. i also told her that when i called beginning of the month, one of their reps told me that it was the judgement that held it up and asked me to fax the letter. she then asked me when i faxed it. she then replies back saying that everything was reviewed and still denied.

i was going to let it go but then i just did not feel comfortable with how the conversation. so i called back after an hour and spoke to another rep. i explained how i was asked to fax documents. rep asked me again when i sent the fax, but this time, she said that she does not see anything in their system as far as the documents i faxed to them so she asked me to fax over again to her.

i just don't get it. because when i called early last week, the rep i spoke with at that time verified that there was a note indicated on the file that fax was received. guess will just have to fax again tomorrow. i wonder if it's any better if i go into the branch near my house to bring the documents and have the local branch handle it for me?

the branch is your best option if they are willing to help

Re: US BANK CC

TravellingNomad — Fri, 15 Jul 2011 17:18:07 GMT

called again today to check status. explained again that i re-faxed docs earlier this week. the rep i spoke with gave me a number to call for a company called ARS (Advanced Resolution Services). she said that they declined my app because of the information this company sent back to them. i a little digging around...and what i found is that there are companies out there that financial institutions use to decide on a cc app. i did a google search on ARS and what i came up with is threads from fatwallet about how a whole bunch of people got denials from US Bank because of information from ARS and then they got some report from LIR and ICS. after a while of reading those acronyms, i gave up. it was giving me a headache. but i got the picture that aside from your credit reports, some lenders look at your consumer report that one of these agencies have.

Re: US BANK CC

trumpet-205 — Fri, 15 Jul 2011 17:44:31 GMT

Basically, ARS and IDA are sorta like Chexsystem. ARS and IDA monitors all Visa & MC credit applications. Each time you apply for a Visa or a MC credit card ARS and/or IDA will be notified (think of it a inquiry). ARS and/or IDA will declare you as a risky applicant if you have too much inquiries. Problem is ARS and IDA monitor both your SSN and address. So if your loved one apply a Visa/MC using the same address it counts.

It amazes me how Visa requires all Visa issuers to use these service. Not sure about Mastercard.

Re: US BANK CC

TravellingNomad — Fri, 15 Jul 2011 21:09:29 GMT

@trumpet-205 wrote:
Basically, ARS and IDA are sorta like Chexsystem. ARS and IDA monitors all Visa & MC credit applications. Each time you apply for a Visa or a MC credit card ARS and/or IDA will be notified (think of it a inquiry). ARS and/or IDA will declare you as a risky applicant if you have too much inquiries. Problem is ARS and IDA monitor both your SSN and address. So if your loved one apply a Visa/MC using the same address it counts.

It amazes me how Visa requires all Visa issuers to use these service. Not sure about Mastercard.

that is crazy. because there are several adults that live in the same house (family) and i know for a fact that all of us have app'd for cc's over the years. so im guessing that the list they have for our home address is pretty lengthy. also, i read during my googling of these companies that by law, lenders are not supposed to base their decision on the information provided in their reports. but i think it was for another one called ICS. im getting confused with all the acronyms.