Turned down for Venture card because of frozen Equifax

[Anonymous]

Applied for a Venture card and my letter (with no phone #) says frozen Equifax was why I was being turned down. Anyone have any luck getting a recon in a similar situation?

The letter noted my TU score was 670

[PinkPanther3719]

I would say to thaw your equifax and call them at the regular customer service or the backdoor number to have them pull it.

[CreditCuriosity]

This is fairly common knowledge that Cap1 primarily uses EQ on their approvals..  Some people get away with out it, but most don't.  Probably just cost you 2 HP's being EXP/TU..  Can try to reach out to the EO and be willing to unfreeze EQ if they will reconsider your application since you already took two HP's.

[CreditMagic7]

I have played with jockeying that and it won't work. Now some better credit profiles might very well come away with only a pair of pulls but i can assure you for a fact they are an exception because certain profiles are solidly programmed by the system to access all 3 or you'll get nothing.

I since learned to open full access across all bureaus and not try to shortcut your way in some effort to try to preserve one of the pulls.

[baller4life]

I got away with EX and TU! Hehe.

[fury1995]

DH got away with a EQ/TU hit (twice) with all three thawed. I did once in February with EX iced.

[CreditMagic7]

It's obviously according to how acceptable each profile is whether by length of time with them plus score or whatever else they use.

I tried after reading such success and they will have nothing of it, it's all or nothing for some.

The rest of you are the lucky birds they'll require a pair of pulls only for approval. 

[CreditCuriosity]

Always a risk having one on ice especially EQ.  Just not worth it for me personally to those two hp's to gain nothing if they want a 3rd cra

edit: I stink at typing more so tonight than usual

[CreditMagic7]

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@CreditCuriousity wrote:

Always a risk having one on ice equally EQ.  Just not worth it for me personally to hose two hp's to gain nothing if they want a 3rd cra

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Agreed wholeheartily there CC. +1

[Anonymous]

Well, lesson learned. It may ultimately be for the best as I picked up a Discover IT card and that was really the card I wanted in the first place.