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Applied for Freedom cards and pulled TU at a 752, had to unfreeze. First person reviewed my application and said I had too many credit requests and accounts but the accounts are in disputes as somebody applied for them in my name but the accounts were never used as that is the reason my reports are frozen. Spoke to second person and he said we need to see more time with your accounts and what your payment history is like. I said I have never carried a balance its always paid in full every month. So I requested for a manager because I see people with 7 months or maybe a little bit more history get approved but I have over a year and I can't get approved so what do you guys think about this , he says a resolutions specialist is supposed to call tomorrow but I'm not sure how this will go.
@Harvey26 wrote:Applied for Freedom cards and pulled TU at a 752, had to unfreeze. First person reviewed my application and said I had too many credit requests and accounts but the accounts are in disputes as somebody applied for them in my name but the accounts were never used as that is the reason my reports are frozen. Spoke to second person and he said we need to see more time with your accounts and what your payment history is like. I said I have never carried a balance its always paid in full every month. So I requested for a manager because I see people with 7 months or maybe a little bit more history get approved but I have over a year and I can't get approved so what do you guys think about this , he says a resolutions specialist is supposed to call tomorrow but I'm not sure how this will go.
No way for us to know how it will go with the manager. It depends on whether you get a manager who sees your point or wants to back his underwriters.
I got the exact same spiel from them three times and they didn't seem to care about my mitigating circumstances.