I was ordering a new iPad Air last night from the Apple store and "just for science" I figured I'd try for the Apple card since I know it's SP to get the offer and I can refuse it to avoid an HP/new account.
I temporarily unfroze TU 30 minutes before making the attempt. After filling in the info, it asked me to upload my DL. Strange, especially since it only asked for the last 4 digits of my SSN, but ok, I did it. It also sent a text to my phone, to which I responded. The app went to review.
This morning I received an email: "Thanks for your interest in Apple Card. Goldman Sachs Bank USA has reviewed your application, and it was not approved at this time because...We are unable to verify your identification information"
Since I wasn't going to accept the card anyway, I won't bother making another attempt or calling. I wonder if it's because they didn't provide a field to put a middle name/initial in, and I didn't provide one. Or maybe I have to unfreeze more than just TU.
I guess it keeps my gardening status safe anyway.
@CreditMarathoner wrote:I was ordering a new iPad Air last night from the Apple store and "just for science" I figured I'd try for the Apple card since I know it's SP to get the offer and I can refuse it to avoid an HP/new account.
I temporarily unfroze TU 30 minutes before making the attempt. After filling in the info, it asked me to upload my DL. Strange, especially since it only asked for the last 4 digits of my SSN, but ok, I did it. It also sent a text to my phone, to which I responded. The app went to review.
This morning I received an email: "Thanks for your interest in Apple Card. Goldman Sachs Bank USA has reviewed your application, and it was not approved at this time because...We are unable to verify your identification information"
Since I wasn't going to accept the card anyway, I won't bother making another attempt or calling. I wonder if it's because they didn't provide a field to put a middle name/initial in, and I didn't provide one. Or maybe I have to unfreeze more than just TU.
I guess it keeps my gardening status safe anyway.
Could be for sure as some times, kinda of a lot of the time they double SP on new apps, TU and EXP
@CreditCuriosity wrote:Do you Chexs froozen as they pull that as well?
Chex isn't froozen. 
Just EX, EQ and (I think) Innovus.
I would have unfrozen all 3 majors if I actually wanted the card.
I wonder if it's because (a) they didn't have a middle initial field, so the name I provided didn't match exactly to what the TU pull would have given, and (b) my DL has my full middle name, which also wouldn't match what I entered or what is on TU.
I'd try again for science, but I've done enough credit sciencing for one day/week.
Yeah they also run a full Sagestream and Chex for Approval and also every month or so as maintenance
I figured I'd try again with my first name + middle initial in the first name field. After spinning, it wanted me to upload my DL again, so I withdrew at that point.
No point fighting with this when I don't even intend on accepting the card if approved. So, experiment over. I never had this issue with Chase.
I wonder what other banks do prequals with TU. I could try a couple while it's still unfrooze.
@CreditMarathoner wrote:I figured I'd try again with my first name + middle initial in the first name field. After spinning, it wanted me to upload my DL again, so I withdrew at that point.
No point fighting with this when I don't even intend on accepting the card if approved. So, experiment over. I never had this issue with Chase.
I wonder what other banks do prequals with TU. I could try a couple while it's still unfrooze.
The middle initial makes no difference. When I applied and was subsequently approved, I went through the verification process with uploading DL and whatnot. That being said, I had none of the CRAs frozen including secondary ones. So, I'm willing to bet it's likely anything they couldn't get access to.
Since your experiment is over, I simply wanted to point out that the middle initial (or absence thereof) is not the culprit unless your identity has an alias or complex name that may pose an issue when verifying things.
@CreditMarathoner You should try the GM by marcus perosnal card - it is the same type of sitation as apple card and see if that also has trouble verifying you
@mfinsmi1 wrote:@CreditMarathoner You should try the GM by marcus perosnal card - it is the same type of sitation as apple card and see if that also has trouble verifying you
That's a Goldman Sachs card as well, right? I'd probably have the exact same issues as with the Apple card.
It's all moot now anyway because it's 9/1 and my TU should be frozen again.
