Diner's Club Denial???

[Anonymous]

does anybody know if they are hard on having to many inquires??

[Anonymous]

nope, I had 5 inquiries on my TU when I applied for it. still got approved.

[LipzyDaizy]

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@ojefferyo wrote:

Are you gonna reapply?

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Who?  Me??  I did reapply and was approved for 20k.  It was a frustrating process but worked out in the end.

[MyDataMyChoice]

I applied thursday before midnight... got the technical error message

So then the next morning (fri) i applied again... got the we'll let you know in 7-15 days  (hope its a good sign)

And checked TU...they pulled TU TWICE

Think I can get one removed?

How?

[taxi818]

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@JTC403 wrote:

I applied thursday before midnight... got the technical error message

So then the next morning (fri) i applied again... got the we'll let you know in 7-15 days  (hope its a good sign)

And checked TU...they pulled TU TWICE

Think I can get one removed?

How?

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Yes. Call them. Tell them of tech error message. They will remove 1. Good luck 

[FTLDVS]

Denied!

• 10/26/14 (Applied - received message "7-10 days")
• 10/28/14 (Trans Union Inquiry by BMO/Harris)
• 11/05/14 (Told I was denied - reason uknown I have to wait for letter in mail)

I have a feeling it was my address as some have pointed out an issue between "Apt vs Unit".  I'll update this thread once I confirm.

I have one old 6.5yr old Cap1 C/O and a few late payments 2yrs ago with student loans due to deferment. 

Credit score time of application according to CK TU 647 and Fico TU 650

[taxi818]

I think i posted the lowest i saw approved was about 654 tu. fico.

now after reading your post. i think first. the easiest for you after you clear uip that address is to call tu and dispute that 6.5 year old capital one.

i know it sounds strange but this is what transunion does when account is within 6 months of being removed.reason for dispute.obsolete old account.

They will  most it usally within 2 hours.

The Same does not. i repeat does not hold true for Experian and Equifax. that will raise your score right away. then i would re apply with full knowledge as to my exact address as it is written on the report. it appears that Diners does not have a 30  day policy between apps. as others  have re applied after a problem right away. Good luck. if you are skeptical as to the dispute on  old account . look it up. Early Exlusion for Deletion Transunion. and you will see many that have done that. including my self. about 4 months ago . i had old Charge off. i called to ask for early exclusion and rep keep saying do you want to dispute.

i say no i want early exlusion. he kept saying it over an over. do you want to dispute. finally i say yes. i dispute. within two hours it was off my report. 71 point boost. just saying.  

[waiter]

Hi, I was out of country and could not check this great forum as often. 

Now I am back and I also applied for DC premier. after i hit submit, I got the technical error message, and that was on Nov 1st.

I called nov 3rd and csr could not locate anything and i explained about getting the technical error message, and she put me on hold an came back after 3-4 mins and told me that UW dept located your application and is pending, I was fine with that, so this friday i called Nov 7th, and i was told i am denied, because of address problem on TU report, and i have a freeze on TU, plus some kind of personal statement on report, I was like really? so i pulled my fresh report from smart credit, and as i thaught, there is nothing as csr told me, just to make sure i called TU csr and asked them if thats the case, but they told me nope nothing like that, everything is correct as it should be.

Now i think just because i got the technical error message , looks like my application and TU report did not load in their system as it should have.???

I was told to reapply... which I did yesterday, and this time I got the 7 to 15 days message. I have 802 smart credit score,  and real fico is 788 from walmart. OK that was my story... and my spouse... applied the same day as me and did not get technical error message, last friday we found out , my spouse was approved for premier card for 25k. spouse's score is 750 ish. should my spouse also apply for elite version of it?????

I will now wait , the hardest part, for my 2nd application to go thru without any TU address/freeze issue.

[ojefferyo]

The waiting game sucks

[waiter]

Alright...

Just found out I was approved , and the card went out yesterday... limit, 30K, wow .

My spouse does not want to app for elite because of annual fee. But i really want to apply for elite.. so since my premier is approved just yesterday, should i go ahead and apply now for elite?? or should i wait for the card in the mail, ?? i do not want to confuse underwriting dept.  with 1st app with TU address issue and 2nd app for approved premier and now the 3rd app for elite?????  and all that with in like 15 days??