@12njoy wrote:
@FinStar wrote:I think you jinxed yourself with the Equality Card
But, nothing the CFPB will do since they reviewed the application within thier guidelines. Had they cited different reasons versus what came stated on the letter, then you have a case. So, if they can't verify certain pieces of information, then it is what it is. You're not the only one that had the same outcome so don't take it personal. Maybe it just wasn't meant to be.
Thanks FinStar. Just crappy the experience. I don't mind the denial. I hate when the reason is cloaked in secrecy. They can't even say what they couldn't verify. The fact that the denial was dated the same date of the application tells me that it was something on the credit report vs what I put on the application as they had no time to actually call to try and verify anything.
Also keep in mind, they don't only rely on CRA information as one source for verification. They also use other DBs and resouces. When I opened my online account,to enroll the BBVA card (plus maybe adding biz card down the road) lots of identifying questions came up, some from public records and others from who knows where. So, if something didn't match, that could be the reason. They may or may not call depending on the exception flag. IME, all lenders approach ID verification differently in that regard.
Take for instance BMO Diners, I went through the whole "unable to verify identity/information" with them - it took them about 2.5 weeks until it got all sorted out.
It's ok though, water under the bridge. I'll try and find you another "pretty" in the next few months 
I was just about to say. Diner's had these same issues. Only they took 30 days to get letters out!
Here's my decline letter.
@FinStar wrote:
@12njoy wrote:
@FinStar wrote:I think you jinxed yourself with the Equality Card
Thanks FinStar. Just crappy the experience. I don't mind the denial. I hate when the reason is cloaked in secrecy. They can't even say what they couldn't verify. The fact that the denial was dated the same date of the application tells me that it was something on the credit report vs what I put on the application as they had no time to actually call to try and verify anything.
Also keep in mind, they don't only rely on CRA information as one source for verification. They also use other DBs and resouces. When I opened my online account,to enroll the BBVA card (plus maybe adding biz card down the road) lots of identifying questions came up, some from public records and others from who knows where. So, if something didn't match, that could be the reason. They may or may not call depending on the exception flag. IME, all lenders approach ID verification differently in that regard.
Take for instance BMO Diners, I went through the whole "unable to verify identity/information" with them - it took them about 2.5 weeks until it got all sorted out.
It's ok though, water under the bridge. I'll try and find you another "pretty" in the next few months
Thanks FinStar but I have to rest for about a year at least. I got my eye on the GM card from Capital One. Got to age these accounts and Inq's. No more bandwagons for me. I've caught a few of those trains and most have been fruitful
(Formerly known as: Credit is my hobby (2M)/TCL objective)
@FinStar wrote:
@12njoy wrote:
@FinStar wrote:I think you jinxed yourself with the Equality Card
Thanks FinStar. Just crappy the experience. I don't mind the denial. I hate when the reason is cloaked in secrecy. They can't even say what they couldn't verify. The fact that the denial was dated the same date of the application tells me that it was something on the credit report vs what I put on the application as they had no time to actually call to try and verify anything.
Also keep in mind, they don't only rely on CRA information as one source for verification. They also use other DBs and resouces. When I opened my online account,to enroll the BBVA card (plus maybe adding biz card down the road) lots of identifying questions came up, some from public records and others from who knows where. So, if something didn't match, that could be the reason. They may or may not call depending on the exception flag. IME, all lenders approach ID verification differently in that regard.
Take for instance BMO Diners, I went through the whole "unable to verify identity/information" with them - it took them about 2.5 weeks until it got all sorted out.
It's ok though, water under the bridge. I'll try and find you another "pretty" in the next few months
Your'e right. I forgot I froze those two that US Bank likes to pull. That could have been it.
@12njoy wrote:
@FinStar wrote:
@12njoy wrote:
@FinStar wrote:I think you jinxed yourself with the Equality Card
Thanks FinStar. Just crappy the experience. I don't mind the denial. I hate when the reason is cloaked in secrecy. They can't even say what they couldn't verify. The fact that the denial was dated the same date of the application tells me that it was something on the credit report vs what I put on the application as they had no time to actually call to try and verify anything.
Also keep in mind, they don't only rely on CRA information as one source for verification. They also use other DBs and resouces. When I opened my online account,to enroll the BBVA card (plus maybe adding biz card down the road) lots of identifying questions came up, some from public records and others from who knows where. So, if something didn't match, that could be the reason. They may or may not call depending on the exception flag. IME, all lenders approach ID verification differently in that regard.
Take for instance BMO Diners, I went through the whole "unable to verify identity/information" with them - it took them about 2.5 weeks until it got all sorted out.
It's ok though, water under the bridge. I'll try and find you another "pretty" in the next few months
Thanks FinStar but I have to rest for about a year at least. I got my eye on the GM card from Capital One. Got to age these accounts and Inq's. No more bandwagons for me. I've caught a few of those trains and most have been fruitful
I agree. And if you're going for the GM card, I would say that if you let things rest for a while, you should be in good shape. Remember, some folks have gotten approved for the GM BuyPower WEMC with $600 SL! You don't wanna trap yourself! Unless you're going for the Extended Family MC.
@FinStar wrote:
@12njoy wrote:
@FinStar wrote:
@12njoy wrote:
@FinStar wrote:I think you jinxed yourself with the Equality Card
Thanks FinStar. Just crappy the experience. I don't mind the denial. I hate when the reason is cloaked in secrecy. They can't even say what they couldn't verify. The fact that the denial was dated the same date of the application tells me that it was something on the credit report vs what I put on the application as they had no time to actually call to try and verify anything.
Also keep in mind, they don't only rely on CRA information as one source for verification. They also use other DBs and resouces. When I opened my online account,to enroll the BBVA card (plus maybe adding biz card down the road) lots of identifying questions came up, some from public records and others from who knows where. So, if something didn't match, that could be the reason. They may or may not call depending on the exception flag. IME, all lenders approach ID verification differently in that regard.
Take for instance BMO Diners, I went through the whole "unable to verify identity/information" with them - it took them about 2.5 weeks until it got all sorted out.
It's ok though, water under the bridge. I'll try and find you another "pretty" in the next few months
Thanks FinStar but I have to rest for about a year at least. I got my eye on the GM card from Capital One. Got to age these accounts and Inq's. No more bandwagons for me. I've caught a few of those trains and most have been fruitful
I agree. And if you're going for the GM card, I would say that if you let things rest for a while, you should be in good shape. Remember, some folks have gotten approved for the GM BuyPower WEMC with $600 SL! You don't wanna trap yourself! Unless you're going for the Extended Family MC.
Thanks again
@Anonymous wrote:I was just about to say. Diner's had these same issues. Only they took 30 days to get letters out!
Here's my decline letter.
Looks like they skated on a bit of ICE there! Maybe thay got "raspados de limon"?
@12njoy wrote:
@FinStar wrote:
@12njoy wrote:
@FinStar wrote:I think you jinxed yourself with the Equality Card
Thanks FinStar. Just crappy the experience. I don't mind the denial. I hate when the reason is cloaked in secrecy. They can't even say what they couldn't verify. The fact that the denial was dated the same date of the application tells me that it was something on the credit report vs what I put on the application as they had no time to actually call to try and verify anything.
Also keep in mind, they don't only rely on CRA information as one source for verification. They also use other DBs and resouces. When I opened my online account,to enroll the BBVA card (plus maybe adding biz card down the road) lots of identifying questions came up, some from public records and others from who knows where. So, if something didn't match, that could be the reason. They may or may not call depending on the exception flag. IME, all lenders approach ID verification differently in that regard.
Take for instance BMO Diners, I went through the whole "unable to verify identity/information" with them - it took them about 2.5 weeks until it got all sorted out.
It's ok though, water under the bridge. I'll try and find you another "pretty" in the next few months
Your'e right. I forgot I froze those two that US Bank likes to pull. That could have been it.
Hmm, good point i had also forgot about myself. It's certain an app of mine with them would have been met with the same scrutiny resulting in the exact same outcome, but theres no going back to undo those shut outs.
Well we do learn thru each other on our respective tries and especially when it involves these fast moving trains.
@FinStar wrote:
@Anonymous wrote:I was just about to say. Diner's had these same issues. Only they took 30 days to get letters out!
Here's my decline letter.
Looks like they skated on a bit of ICE there! Maybe thay got "raspados de limon"?
Raspado de limon sounds good right about now.
@Anonymous wrote:
@FinStar wrote:
@Anonymous wrote:I was just about to say. Diner's had these same issues. Only they took 30 days to get letters out!
Here's my decline letter.
Looks like they skated on a bit of ICE there! Maybe thay got "raspados de limon"?
Raspado de limon sounds good right about now.
I'm thinking *maybe* uno de rompope!