Rejected by AAA, reason is confusing and weird

[xellos2099]

I have been an aU user of icit card for a few year and I apply and got my first card C1 Quicksilver with 1k limit on Feburary.  I was trying to apply for ther AAA Advabtage during March because of tis great gocery and warehouse cahs back.   Initially they send me a letter to call them to verify soem info.   I called it in and they say they will send me the result in a few days.  I was rejected, ok but the reasoning seems weird.  They claim they cannot verify my idenity.  What does that even mean?  They clearly pulled my experian report.  I called it in to want some answer but they refuse to say anything but say reapply in a month.   I am not sure about trying again after that answer they give.  If they say my credit is thin, fine, but this is off... not sure if i want to rise another hard pull for it.  

My next option would be either Venmo or Elan cash max or maybe try for usbank secure card.

[sznthescore]

Definitely sounds like a thin file. You're going to need more history individually to prove yourself to prime lenders. You can't skip over the "building" process to prime core cards with a short credit history. Obtaining the secured card from US Bank would be your next step in the building process since you express an interest in it and want to build more credit.

Is the C1 Quicksilver your only individual card? Do you have a FICO score?

*This post was based on the information OP provided in initial post

[coldfusion]

Go to annualcreditreport.com and try to pull free copies of all 3 major credit reports.   It could be that there is either incorrect information on your reports or for whatever reason you have blank/nonexistent credit reports.  Either issue could lead to a failure to verify your identity.

If they can't verify you, submit requests to get copies of your reports directly to Experian, Transunion, and Equifax.  You might also want to request a copy of your Lexis Nexis Consumer Report to confirm that one exists and it is accurate as information from that report tends to percolate to your credit reports.

I would suggest you consider holding off applying forr more credit until you get an understanding of what's going on.

[coldfusion]

Forgot to ask - did you apply online using a VPN connection?  That can also occasionally cause identity issues because they can make it appear that you're applying from a physical location far from your actual residence.

[FireMedic1]

AU accounts are ignored by most lenders. You've had 1 card for a month with your QS thats a bucket card. Need to build some more history. Give it 6 months before your next app. Try Discover pre-qual then. Many others out there. Read the Rebuilding your Credit Sub Forum for ideas to get things rolling.

[xellos2099]

My Experian Score is 749 and yes, My C1 is my first real card in my report

[xellos2099]

I check all 3, seems to be fine.  

[xellos2099]

No vpn

[xellos2099]

How easy is it to get usbank cash+ secure card?   All in all i really want a visa card so shopping at costco become less of a problem

[Anonymalous]

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@xellos2099 wrote:

My Experian Score is 749 and yes, My C1 is my first real card in my report

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Thanks to an old AU card, my Experian score was 767 when I first became scorable. And that was the lowest of my FICO 8s. Despite that, and even after my first personal card was 6 months old, Chase still rejected me. That's pretty typical -- don't rely on all the internet advice about how you need score X for card Y. It's pure garbage. All (or almost all) CC lenders use their own criteria, and often generate their own internal score. In your case (and mine, almost 2 years ago), they'll see that you're brand new to credit. And that counts far more than any third party score.

You're a new file. The first priority should be to develop some personal credit history, ideally at least 6 months. Even then, most of the major lenders will still say no, but you should be able to get a second and/or third card, if you target lenders known for being friendly to new files. Cap1, Discover, Amex to some degree, maybe FNBO, Navy Fed if you qualify, etc. I wouldn't bother with secured cards, unless you really really want to start a relationship with a lender who is less friendly to new files (I've never had a secured card, that's more for rebuilders than new files). After about a year of personal credit history, you'll have a better shot with the major lenders. Just make sure you have no lates or other negatives, and keep utilization under control.

Identify verification has little to do with whether they were able to pull your credit report. It could be something as simple as transposed digits in a SSN, or a wrong address. Or they might just need a copy of some ID, like a driver's license and/or a social security card. Or, it might be suspicion of fraud, in which case, you're unlikely to learn the real reason why they rejected you. The best you can do is go over all the essential information in your credit report and check to make sure it's precisely correct (not just that it looks okay at the first glance), and wait for the rejection letter and see if it's as simple as providing some additional documentation.