Blispay denied again!

[joltdude]

Part of me wonders if verification failure is somewhat a bogus code and that theres something else they dont like to not want to approve you...

Kinda like... not enough exp with current credit limit and discover... 

And verification is partly an excuse to try to dig up more info about you to see if they might approve you...

[UncleB]

This might have been mentioned before, but do any of you folks getting declined due to ID verification happen to have any secondary bureaus frozen? 

I know BBVA/Compass used to deal people grief over verification if ARS and/or Sagestream weren't available (they would also summarily decline apps, requiring the applicant to be persistent to push it through).

[Anonymous]

UncleB not in my case. Nothing changed between last year and this years approval as far as I know.

[Anonymous]

I am late to this discussion but I just got denied as well. There was one confusing question that I probably answered incorrectly. Same thing called just to be told I got denied and cannot be verified again. I called LexisNexis, a consumer reporting agency that another bank used for my verification. I wanted them to remove some information that I did not know the answers to. They said they did not have those specific names they were asking me about. They said the companies create the questions and I can request that they remove and change the questions if it does not relate to me and that they should. So I think you may be right, Joltdude since they completely refuse to redo it and say they don't know which question it was that was wrong which sounds off. My credit score is excellent so maybe they think they won't make any money off of me...

[Anonymous]

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wrote:

I'm going to bet $100,000 on this post that you haven't once pulled your identity reports from LN or any of the other companies, so you probably have no idea what information is on there.

I always get these personal questions answered 100% because I pull my annual identity reports (for free) and know exactly what old information is used to try to identify me.  The only times I've failed the questions is when they ask about family members.

Just because it isn't on your 3 major CRA reports doesn't mean it isn't out there for creditors to look up.

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I googled this and cannot find any information about an identity report.  What is this and how do I look up my identity report?

[Anonymous]

OP, I'm with you on this and understand your frustration.

This is a Blispay issue.  Nothing more, nothing less.  People have been reporting this issue on this forum since the summer of 2016.  Blispay has done nothing to resolve it on their end, whatever the problem may be.  I don't ever hear about failure to verify identity from other lenders... just Blispay.  If it was a legit problem with dozens of member's profiles, they'd be seeing failure to verify identity denials from other lenders and that's not the case.

Blispay needs to get their crap together.  Nearing 2 years of the same BS of failure to verify identity, small credit limits, inability to obtain CLIs, etc. is going to make them irrelevant sooner rather than later.

I probably only put a few hundred bucks on my Blispay card in 2017 and didn't use their 0% financing even once.  That's how useful the card was to me.

[TheBoondocks]

Hey guys, so I know some people they say that when it comes to hard inquiries, don't worry about it, it should be less of your worries when it comes to fico score. Others say, get a lot of hard inquiries cause banks think you're greedy which is true. But, the thing is since I've been denied and they said they would remove it by March or April, even if they didn't should I reapply for it? I love the 0% financing, it's very valuable when it comes to me especially the promotions of applying for new credit cards. Thanks!

[Mahraja]

next time do not skip the bank account log in verification part it is most important verification for this company just provide your bank log in and i am sure you will get approve hopefully