My wife applied for a Capital One card on 2/20. It gave us a 7-10 day review message, so I followed some advice on here. She called and they told her that she had an extended fraud alert on one of her reports. We called Eq and got her phone number attached to the alert yesterday (2/21), then called back and let them know we got it fixed. They ran all 3 of her credit reports early this morning (2/22). This morning when we woke up, we noticed we had a decision email from Capital One. We logged in and it said that she was denied. It said "despite our attempts to reach you, we have been unable to resolve a consumer alert you placed for access to your consumer report"
Which is odd, because they did reach us. And we fixed it. And the date on the letter is 2/20.
So why were we denied on 2/20, resolved the issue on 2/21, and notified of the denial on 2/22??
And how can we fix this?
She has nothing negative and 2 positive closed auto accounts on TransUnion.
1 repo, 2 positive closed auto accounts and one positive open auto account on Equifax
2 repos and 2 positive closed auto accounts on Experian.
Scores in the low 600s
Never had a credit card
I know the score is borderline. But what's up with the fraud alert / denial and how can we appeal this?
Thanks!!