Apple Card App decision: "We are unable to verify your identification information"

[Anonymous]

""Update"" After 5 months of apps resulting the same message, today

out of the blue the system didn't ask for my I.D and was approved

for $6000 @ 20.99%!

"Transunion Fico 8: 724"

I got an invitation and decided to apply but half way

I got the above mentioned notification and had to abonden the application!

I did get an email right after saying if our dicision is in error, apply again.

The strange thing is they didn't pull any of my CRA files and I know all

my info are up to date on all 3 CRA.

I'm not even sure if I should apply again.

Any input is much appreciated.

[Anonymous]

i seen where they use corelogic and checksystems too so it may be a mixed up on those file

everything i apply and they use a outside bureau like them i get denied .

i know i have nothing deliquent on chex too

[audio-disabled]

They do soft pulls. When accepting, it becomes hard pull.

[nuohlac]

Have you tried calling any CS reps? I have not received an invite, but surely there has to be a number somewhere you can call to complete the verification. 

[Anonymous]

Ya, it would've been nice if there was a number that I could contact with but

haven't been able to find one!

[Anonymous]

This made me laugh and I’m not laughing at you, just the situation is funny.

Is it possible that you have a credit Freeze or lock on with TU, Equifax, Experian or Innovis? Also, are you opted in for pre-approvals on CC’s? I have run into this situation in the past and found that to be the problem.

[Anonymous]

Yes & yes!

But I did unlock all 3 files before I applied and I will "Opt-Out"

of pre-approvals if that could be the problem.

Thanks for the info.

[Anonymous]

No don’t opt out, that will cause you to lose prequals. 

[Anonymous]

You only have to unlock/unfreeze TU.

[sjt]

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@audio-disabled wrote:

They do soft pulls. When accepting, it becomes hard pull.

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For clarification, you go through the application process, the do a SP, and then they approve you with APR and CL. Then they will HP when you accept?