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OFFCIAL BBVA DENIAL THREAD

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1GaDawg85
Valued Contributor

Re: OFFCIAL BBVA DENIAL THREAD

I'm holding off on this one because I don't wanna have any more pulls done


FICO 5 ,4, 2 - 10/2023                            FICO 8 - 10/2023                                   FICO 9 - 10/2023                                   FICO 10 - 10/2023
     
Message 21 of 79
Anonymous
Not applicable

Re: OFFCIAL BBVA DENIAL THREAD

Called this morning and was told i would get a letter within 7 to 10 days!!

Message 22 of 79
mossmanb5
Established Contributor

Re: OFFCIAL BBVA DENIAL THREAD

I just called again. They said it is still being processed that either I will receive the card or a denial letter in 7-10 days. Maybe that's there way of denying people.
72 cards and done 312,800 in available credit
0.5% uti / 2.2 aaoa
eq 698 / ex 712 / tu 729


inqs= eq 48 / ex 35 / tu 15
Message 23 of 79
slund5499
Established Contributor

Re: OFFCIAL BBVA DENIAL THREAD

Denied response in the mail within 7-10 day message. Application # 7274.

 

EQ - 32 inquiries

FICO 673

AAoA 18 mo

In the garden since 02/1/23. Newest Account AU Discover It 10K
02/23 Scores; EQ 608 TU 642 EX 575 CCU: 20%, Inq. 2, 1, 2 Collections $39K
Lending Club: newest account 2/3/23. Old Fico 1/17 EQ 530 TU 542 EX 512

Message 24 of 79
dapps06
Frequent Contributor

Re: OFFCIAL BBVA DENIAL THREAD

7-10 day letter as well. Called and was told the same thing, "it's processing". Nonsense. They seem almost afraid to tell people over the phone they've been denied.

 

Scores are in sig. I live in Florida and they pulled EX.

 

12 inq's

1 collection

1 charge off

1 settled auto loan

AAoA around 4 years

 

I was approved for the Venture five days ago, that might  have something to do with it as well. I was really hoping they'd pull TU because the collection and charge off dropped from that report last month. Those accounts drop from the other two reports no later than June. Maybe I'll try for the card again then.

Message 25 of 79
baller4life
Super Contributor

Re: OFFCIAL BBVA DENIAL THREAD

800-869-1496 well tell you approved or denied. None of that "in processing" crap
Message 26 of 79
mossmanb5
Established Contributor

Re: OFFCIAL BBVA DENIAL THREAD

I called and he said it was denied. Oh we'll. still don't know who the pulled. I'll just wait for the letter.
72 cards and done 312,800 in available credit
0.5% uti / 2.2 aaoa
eq 698 / ex 712 / tu 729


inqs= eq 48 / ex 35 / tu 15
Message 27 of 79
dodgerslv
Valued Contributor

Re: OFFCIAL BBVA DENIAL THREAD

Sorry to hear moss...so it seems almost a guarantee that 7-10 letter message means denied unless of course when you call they ask you verification questions.
gardening since 5/21/2016
Message 28 of 79
mossmanb5
Established Contributor

Re: OFFCIAL BBVA DENIAL THREAD

I need to garden anyways. I have way to many inqs. I have a lot of accts. I want all 3 scores in the 700s. Gonna freeze myself and lay low till January on apping. All my baddies fall off in oct this year except a few lates from Kay's and Jared. Been gw them but no luck.
72 cards and done 312,800 in available credit
0.5% uti / 2.2 aaoa
eq 698 / ex 712 / tu 729


inqs= eq 48 / ex 35 / tu 15
Message 29 of 79
tonyjones
Valued Contributor

Re: OFFCIAL BBVA DENIAL THREAD

I'm waiting for my statement to cut and only one card showing a balance at 9% before I app for this!

Current Fico Scores: (November 2025)
Message 30 of 79
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