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Apple Card Under Review then declined…

ladybug2016
Contributor

Apple Card Under Review then declined…

Hi all,

 

I was declined for the following reason:

  • A bank has recently closed your checking and/or savings account

It says they used TU but I don't have a recently or any closed by bank checking or savings accounts as all of mine are in good standing. Since this info isn't on my TU, any idea where they are seeing this? Thanks so much in advance as I want to get this straightened out.

Message 1 of 7
6 REPLIES 6
Janneman
Regular Contributor

Re: Apple Card Under Review then declined…


@ladybug2016 wrote:

Hi all,

 

I was declined for the following reason:

  • A bank has recently closed your checking and/or savings account

It says they used TU but I don't have a recently or any closed by bank checking or savings accounts as all of mine are in good standing. Since this info isn't on my TU, any idea where they are seeing this? Thanks so much in advance as I want to get this straightened out.


Apple always pulls from these 3 CRAs-TU, Chexsystem and CoreLogic.

Message 2 of 7
ladybug2016
Contributor

Re: Apple Card Under Review then declined…

Thanks so much @Janneman ! I'm going to have to order those to get this corrected. I had no idea where they were seeing this erroneous info. Thanks again for your quick reply!

Message 3 of 7
Janneman
Regular Contributor

Re: Apple Card Under Review then declined…


@ladybug2016 wrote:

Thanks so much @Janneman ! I'm going to have to order those to get this corrected. I had no idea where they were seeing this erroneous info. Thanks again for your quick reply!


Your best bet is ordering ChexSystem that keeps the record of all bank accounts opening and closing. You can get it free online within a few minutes.

Message 4 of 7
pgates
Contributor

Re: Apple Card Under Review then declined…

@ladybug2016  Had the same thing happen to me had no idea what they were referring to as my Chex systems is clean. Froze my Chex and immediately reapplied and was approved! See my post in approval section recently. Hope this helps. 

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Message 5 of 7
ladybug2016
Contributor

Re: Apple Card Under Review then declined…

Thanks for the great idea @pgates, and congrats on your approval!! That's fantastic. I'll try it.

 

Thanks again also to @Janneman. I've ordered a copy to see what's going on so I can fix whatever the error is.

Message 6 of 7
pgates
Contributor

Re: Apple Card Under Review then declined…

@ladybug2016  No problem hope to see your approval post soon!

Starting Score: 704
Current Score: 759
Goal Score: 800

Take the myFICO Fitness Challenge

Wells Fargo Active Cash $10k | GS Apple Card $6k | NFCU Cash Rewards $3.5k | BOA Unlimited Cash Rewards $1K | Chase Amazon Prime Visa $5100 | GS GM Rewards card $3k | AMEX Platinum NPSL | Discover IT CB $2K | Wells Fargo Business Platinum Rewards $5K | Phillips66 Conoco 76 Fleet Card $1k | Fuelman MC fleet card $5K
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