Exxon/Mobile Denied By Experian???

Scott_S · ‎03-27-2016

I was denied for Exxon/Mobile & Shell gas cards for the same reason: "Credit Obligations Exceed Stated Income" So I called backdoor number for Citi to ask for recon because my income does not exceed obligations and was told by the rep that I should call Experian and ask them what income they are reporting for me. I asked the rep why I needed to call Experian? She said Experian is who denied my application for both gas cards, I said Huh? I said wasn't it Citi that made the decision? She said NO, Experian makes the decision.... I asked this like 5 times and she kept telling me Experian denied my application...

Should I call again???

Anonymous · ‎03-27-2016

I would call and speak with another rep. Experian's report may have caused the denial, but it was Citi that denied you due to the info in the report...

ddemari · ‎03-27-2016

Sounds like a misinformed rep. Usually whenever I read a decline letter it says we obtained your credit score from blah blah but this alone did not impact our decesion to deny you for credit.

Anonymous · ‎03-27-2016

@Scott_S wrote:
I was denied for Exxon/Mobile & Shell gas cards for the same reason: "Credit Obligations Exceed Stated Income" So I called backdoor number for Citi to ask for recon because my income does not exceed obligations and was told by the rep that I should call Experian and ask them what income they are reporting for me. I asked the rep why I needed to call Experian? She said Experian is who denied my application for both gas cards, I said Huh? I said wasn't it Citi that made the decision? She said NO, Experian makes the decision.... I asked this like 5 times and she kept telling me Experian denied my application...

Should I call again???

Call back. Ask to speak to an adult or someone who knows what they're doing

Also, I am nearly at 2x my income, and some people here are 3-4x their income. My last Citi card is what put my CL over $100k. So I don't quite follow this CSR's logic.