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Apple Card denied - DPs

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Regular Contributor

Apple Card denied - DPs

So, here's some DP for those who might be interested. I got an invite to apply this morning, went to apply as soon as I got the invitation. Goldman Sachs pulled TransUnion with a score of 680. The one and only reason it was denied was because: You have recently been past due
 
Vantage 3.0 is 651 as of 8/8/2019
FICO8 is 645 as of 8/2/2019
FICO9 is 676 as of 7/18/2019
 
Reported income: 76.8k
Util: 18% of $11,400
 
My three current credit cards are 11 months old. Federal student loans, currently paying. I had charged off student loans, but that has since been removed from my report. 
 
I've never went past due on any of my accounts. The only baddies I have on my account is BK7 discharged 2017, already past 2 years. On my FICO app, I do show I have 6 late payments and last time was 2 years 1 month - but that's my IIB accounts. When I pulled my annual credit reports in the past, they do not show I have late payments, just accounts with IIB.
 
Is there a recon line? Or do we know if "recently been past due" is actually a cover for BK7? Let me know if you're curious to learn more about my DP.
 
[Edited to add] I confirmed with TransUnion just now that it was a soft pull, not a hard pull. All my 6 accounts, they see them marked as IIB, and nothing else is showing anything past due. 





$2500 SL Barclay Apple Visa | $4500 CapitalOne Platinum | $1000 SL CapitalOne VentureOne | $10K SL PenFed Pathfinder | $3500 Wells Fargo Platinum | $9500 BECU Visa
Goals: Grow scores into 700s
Message 1 of 251
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Established Contributor

Re: Apple Card denied - due to "recently been past due"


@audio-disabled wrote: 

  Goldman Sachs pulled TransUnion with a score of 680. The one and only reason it was denied was because: You have recently been past due

 

Vantage 3.0 is 651 as of 8/8/2019

FICO8 is 645 as of 8/2/2019

FICO9 is 676 as of 7/18/2019

 

 


I am confused by the above.  If "Goldman Sachs pulled TransUnion with a score of 680. "  what is the FICO8 score you listed below it?

050719:     
080420:     

Message 2 of 251
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Moderator Emeritus

Re: Apple Card denied - due to "recently been past due"

I highly doubt there's a method for reconsideration at the moment. Other folks who've been denied explored similar avenues with no outcome.
Message 3 of 251
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Regular Contributor

Re: Apple Card denied - due to "recently been past due"


@BallBounces wrote:

@audio-disabled wrote: 

  Goldman Sachs pulled TransUnion with a score of 680. The one and only reason it was denied was because: You have recently been past due

 

Vantage 3.0 is 651 as of 8/8/2019

FICO8 is 645 as of 8/2/2019

FICO9 is 676 as of 7/18/2019

 

 


I am confused by the above.  If "Goldman Sachs pulled TransUnion with a score of 680. "  what is the FICO8 score you listed below it?


I know right, in the email I got it tells me I have 680, the closest score to 680 I have is 676 FICO9 as of 7/18. All the scores listed above is TransUnion.






$2500 SL Barclay Apple Visa | $4500 CapitalOne Platinum | $1000 SL CapitalOne VentureOne | $10K SL PenFed Pathfinder | $3500 Wells Fargo Platinum | $9500 BECU Visa
Goals: Grow scores into 700s
Message 4 of 251
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Community Leader
Valued Contributor

Re: Apple Card denied - due to "recently been past due"


@audio-disabled wrote:

@BallBounces wrote:

@audio-disabled wrote: 

  Goldman Sachs pulled TransUnion with a score of 680. The one and only reason it was denied was because: You have recently been past due

 

Vantage 3.0 is 651 as of 8/8/2019

FICO8 is 645 as of 8/2/2019

FICO9 is 676 as of 7/18/2019

 

 


I am confused by the above.  If "Goldman Sachs pulled TransUnion with a score of 680. "  what is the FICO8 score you listed below it?


I know right, in the email I got it tells me I have 680, the closest score to 680 I have is 676 FICO9 as of 7/18. All the scores listed above is TransUnion.


If they used F9, the last time you pulled it was 7/18 so it isn't unrealistic to pick up 4 points almost a month later.

 FICO 8
Message 5 of 251
Regular Contributor

Re: Apple Card denied - due to "recently been past due"


@Overmedicated wrote:

If they used F9, the last time you pulled it was 7/18 so it isn't unrealistic to pick up 4 points almost a month later.

 I'm thinking exactly that, but I don't want to hold my breath, ha.






$2500 SL Barclay Apple Visa | $4500 CapitalOne Platinum | $1000 SL CapitalOne VentureOne | $10K SL PenFed Pathfinder | $3500 Wells Fargo Platinum | $9500 BECU Visa
Goals: Grow scores into 700s
Message 6 of 251
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Established Contributor

Re: Apple Card denied - due to "recently been past due"

I have just read elsewhere that the supposition is that it is indeed FICO9 that they are using.

050719:     
080420:     

Message 7 of 251
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Community Leader
Mega Contributor

Re: Apple Card denied - due to "recently been past due"

Relating a 2 year old bk7 as just, " only baddie" isnt the best way to view it. Thats a pretty significsnt reason , and relatively recent bk that can still have repercussions with apps for years to come. Just remember lenders can put up a variety of reasons for denial when in fact its that bk that they dont like.
Message 8 of 251
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Regular Contributor

Re: Apple Card denied - due to "recently been past due"


@AverageJoesCredit wrote:
Relating a 2 year old bk7 as just, " only baddie" isnt the best way to view it. Thats a pretty significsnt reason , and relatively recent bk that can still have repercussions with apps for years to come. Just remember lenders can put up a variety of reasons for denial when in fact its that bk that they dont like.

Understandable. At this point, we don't know exactly what Goldman like or don't like. I do feel it's worth it sharing here.

 

 

I called the number, 877-255-5923, the line went to Apple support then went through two transfers to discuss my application. I spoke with a superviser and he is in Goldman Sachs. This is NOT a recon line, but he said he can see more details but unable to share with me because he is not a credit analyst. But for my situation where the reason for denial reading "recent past dues" is inaccurate, so the superviser will escalate my request in hopes to provide more explanation.

 

He tried to pad the reason for rejection when explaining to me the list of contributing factors to my scores like severe delinquent or derogatory (BK), but I argue that this is what contributes to my scores. If we focus on the reason itself on the rejection - past dues - which is inaccurate, it should be reconsidered or looked into.

 

Also, I was able to confirm that if you apply, it will be soft pull. Upon accepting the approval, it becomes a hard pull. As per the supervisor.






$2500 SL Barclay Apple Visa | $4500 CapitalOne Platinum | $1000 SL CapitalOne VentureOne | $10K SL PenFed Pathfinder | $3500 Wells Fargo Platinum | $9500 BECU Visa
Goals: Grow scores into 700s
Message 9 of 251
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Super Contributor

Re: Apple Card denied - due to "recently been past due"


@audio-disabled wrote:

@AverageJoesCredit wrote:
Relating a 2 year old bk7 as just, " only baddie" isnt the best way to view it. Thats a pretty significsnt reason , and relatively recent bk that can still have repercussions with apps for years to come. Just remember lenders can put up a variety of reasons for denial when in fact its that bk that they dont like.

Understandable. At this point, we don't know exactly what Goldman like or don't like. I do feel it's worth it sharing here.

 

 

I called the number, 877-255-5923, the line went to Apple support then went through two transfers to discuss my application. I spoke with a superviser and he is in Goldman Sachs. This is NOT a recon line, but he said he can see more details but unable to share with me because he is not a credit analyst. But for my situation where the reason for denial reading "recent past dues" is inaccurate, so the superviser will escalate my request in hopes to provide more explanation.

 

He tried to pad the reason for rejection when explaining to me the list of contributing factors to my scores like severe delinquent or derogatory (BK), but I argue that this is what contributes to my scores. If we focus on the reason itself on the rejection - past dues - which is inaccurate, it should be reconsidered or looked into.

 

Also, I was able to confirm that if you apply, it will be soft pull. Upon accepting the approval, it becomes a hard pull. As per the supervisor.


How could a two year old BK NOT BE VIEWED as a RECENT PAST DUE ????

A BK is the most severe  modifer in the game. You are not going to win this IMO. Sorry

 


3/2016 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671.
>09/2020 CCT EX 818 TU 826 EQ 840

I'd get it one piece at a time
And it wouldn't cost me a dime
You'll know it's me when I come through your town
I'm gonna ride around in style
I'm gonna drive everybody wild
'Cause I'll have the only one there is around.

- Johnny Cash One Piece At A Time
Message 10 of 251
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