Can use some help and answers of possible.
So I app for the Red Aviator WE Master Card as things are looking up greatly with my Credit. Had my Experian locked as I applied (totally for to unlock lol), so they pulled Transunion as I live in Washington State.
Got a message of 7 to 10 and immediately called to see what I could do to move things along. Here are my data point s below:
EX 712/ 5 Inq; EQ 721/ 4 Inq ; TU 777/ Inq 3
1 Discover 23.00 bal/ 1500 limit
1 BECU Visa Signature 10.5k limit/ no bal
1 SYNCHRONY Bank (Ashleys Fruniture) 1k limit/ no bal
1 close auto loan
AAoA 6 years months
So I call and was told they want to speak/ or I need to contact the Credit Dept?? Not really sure what thats about. I do have alerts on all 3 reports having to call my cell # if credit is pulled, but I'm not sure if thats a cause? Anyone no what thats about or had experience with this? Having to contact the credit department? Thanks, and answers and advice is appreciated guys 😁
I would assume that yes, if you have fraud alerts on all 3 bureaus, they're just following procedure. But I'll defer to others with experience with this particular card/lender.
I have no experience applying with alerts placed on CRs but a relative of mine has done so.
It seemingly boiled down to Identity verification for the application.
Additionally, you mentioned you have/had a 3B locked... i would think with your profile the concern of the FI would definitely be about verification.
You may have to explain the alerts during your phone conversation with the credit department but i would call sooner than later to obtain the approval.
Best of luck!