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Denied all in mini-app spree

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UncleB
Credit Mentor

Re: Denied all in mini-app spree


@CreditCuriousity wrote:

@UncleB wrote:

@arkane wrote:

@Anonymous wrote:

Op, my credit report has an error on my DOB. It prevented me from instant approvals. Now I just apply with the error DOB and get the instant approval. Good luck!


Uhhh wouldn't disputing the incorrect DOB with the credit bureaus be much more effective? I mean ultimately you don't want any erroneous information on your credit report no?


At the risk of sounding 'preachy' I'll add that the longer you put off correcting your DOB the more hassle it will be. 

 

I had a family member in a similar situation... it wasn't impossible to fix, although it would have been much simpler to have corrected it earlier on rather than 'kick the can' down the road.


Tell me about it.. IRS has my DOB as 12/13/YY vs. 12/31/YY so each year I file my taxes I gotta use 12/13 vs/ 12/31.. Someone typeed it wrong ALONG time ago and tried to fix it once and ya no very fruitful, will try again one of these years before I gotta collect social security if it still exists when i retire Smiley Happy


Ugh... what a PITA!  Smiley Mad

 

I have a data point specific to social security... my family member had to make a trip to the local SS office and show them proof in person of the correct DOB (her date was off by a day) but other than the "road trip" it was said to be fairly painless. Since the update at the SS office all interaction with the IRS (at least that I've seen) has reflected the new/corrected DOB. 

 

If I come across any data points on somebody making the correction with the IRS I'll be sure to share.

 

Side note:  In my relatives case, it was an insurance company that initially caught the discreptancy. 

Message 31 of 35
gsxraddict
Valued Member

Re: Denied all in mini-app spree

Capital One just approved my Venture One for $10,000. I'll ask for a reconsideration on the credit limit when the card arrives.

 

Capital One took 9 days to approve it.

 

Still waiting on Chase.

 

 

Message 32 of 35
Anonymous
Not applicable

Re: Denied all in mini-app spree

Congrats.

Good luck on the recon for limit. I think it’s generally a no-go for Capital One.

Message 33 of 35
gsxraddict
Valued Member

Re: Denied all in mini-app spree

Chase just approved me for the Freedom card with only $1,000 limit.

 

Declined Amazon card which is the main card I wanted.

 

Oh well, so after it's all said and done I got every card I applied for except the Amazon and double cash pushing my total account lines of credit from somewhere around 15,500 to 50,000.

 

To the garden.

Message 34 of 35
jlitnns
Established Contributor

Re: Denied all in mini-app spree

You made out pretty good with some patience, congrats!

 

Robot Very Happy


Message 35 of 35
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