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MINI APPROVAL (!) SPREE

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bigseegar
Established Contributor

Re: MINI DENIAL SPREE


@winner88 wrote:

@bigseegar Lol obviously I was kidding about applying for all 5. I only accepted 1 offer out of the 5 prequalified list that showed up. 

I'm glad it worked out for you thou. Congratulations 


Lol good deal then and yes very strange then unless there's something else in your DP's as Truist PA are usually pretty solid and your FICO looks good. Sorry for the denial. 

Message 11 of 16
MCM1
Regular Contributor

Re: MINI DENIAL SPREE

Actually it is best to freeze all of those and I havent had a single denial from having them locked/frozen and I have added over 20 cards in the past 24 months.  

Message 12 of 16
FinStar
Moderator Emeritus

Re: MINI DENIAL SPREE


@MCM1 wrote:

Actually it is best to freeze all of those and I havent had a single denial from having them locked/frozen and I have added over 20 cards in the past 24 months.  


Conversely, I've never encountered any issues with leaving them open, but plenty of DPs with supporting evidence have shown that a variety of lenders will decline applications if any of the others are frozen. Experiences and outcomes will vary.

Message 13 of 16
babygirl1256
Senior Contributor

Re: MINI DENIAL SPREE

@winner88 I really thought they had to disclose the denial reason but I guess not . . . interesting!!!

Starting FICO 8 Score in 06/2019: EQ-625, TU-649, EX-640
Current FICO 8 Score in 06/2021: EQ-796, TU-806, EX-812
Goal FICO 8 Score in 06/2022: EQ-825, TU-850, EX-850
Message 14 of 16
OmarGB9
Community Leader
Super Contributor

Re: MINI DENIAL SPREE


@babygirl1256 wrote:

@winner88 I really thought they had to disclose the denial reason but I guess not . . . interesting!!!


For credit card apps, yes, but OP was talking about a denial for DCU membership. 


Last App: 1/10/2023
Penfed Gold Visa Card

Currently rebuilding as of 04/11/2019.

Starting FICO 8 Scores:




Current FICO 8 scores:


Message 15 of 16
winner88
Contributor

Re: MINI DENIAL SPREE

I called Truist and apparently there is no record of any applications even though they soft pulled my EQ report. 

i reapplied again, for a different card and got when message:

 

"

Thank you for considering Truist for your banking needs. We will not be able to
move forward with your request at this time. In review of your request, we cannot
verify your application information through our digital process. If you feel this
decision was received in error or that you have incorrectly input information
associated with your identity, you may submit a new application on Truist.com, via
the Truist Care Center 844-4TRUIST (844-487-8478), or by visiting your local Truist
branch.
If you have any questions regarding this notice, you should contact us at the
address listed below.
Truist Bank 214 N Tryon St. Charlotte, NC 28202
Notice: The Federal Equal Credit Opportunity Act prohibits creditors from
discriminating against credit applicants on the basis of race, color, religion,
national origin, sex, marital status, age (provided the applicant has the capacity to
enter into a binding contract); because all or part of the applicant's income
derives from any public assistance program; or because the applicant has in good
faith exercised any right under the Consumer Credit Protection Act. The Federal
agency that administers compliance with this law concerning this creditor is the
Consumer Financial Protection Bureau, 1700 G Street, NW Washington, DC,
20006.
Message Code: 130

"

 

Just as before, their customer service rep didn't see any appplicayion (pending, declined or approved). 

EQ 772
TU 764
Message 16 of 16
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