Why not US Bank?

[AverageJoesCredit]

My scores are in 700's i have no lates, no baddies, no lender has a legit reason to deny me yet here i am denied by the many ,chosen by the few Legitimately

[Anonymous]

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@AverageJoesCredit wrote:
My scores are in 700's i have no lates, no baddies, no lender has a legit reason to deny me yet here i am denied by the many ,chosen by the few Legitimately

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Right, but you would do better using a different name on your apps.   NotYourAverageJoes would probably cause more confusion but something like SolidReliableAndOhSoCreditWorthy   might get better results!

[Anonymous]

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@Anonymous wrote:

Consider freezing a couple of minor credit reports before applying to US Bank for a credit card.  Seems to help odds of approval.

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This has led to a bunch of denials. They're on to that trick. 

[MakingProgress]

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@AverageJoesCredit wrote:
My scores are in 700's i have no lates, no baddies, no lender has a legit reason to deny me yet here i am denied by the many ,chosen by the few Legitimately

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MF chooses you Average Joe!

[CreditInspired]

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@Anonymous wrote:

Consider freezing a couple of minor credit reports before applying to US Bank for a credit card.  Seems to help odds of approval.

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Advocating freezing credit reports for odds of an approval from another credit agency is against MyFICO TOS. 

[Anonymous]

The thing about approvals is that they're contagious, some people simply cannot stop at one. And the more you keep apping, and are rejected the more it will continue to happen.

Some people's files can handle app sprees, some cannot. Your first denial should be a wake up call to slow down and age things.

[M_Smart007]

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@Anonymous wrote:

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@AverageJoesCredit wrote:
My scores are in 700's i have no lates, no baddies, no lender has a legit reason to deny me yet here i am denied by the many ,chosen by the few Legitimately

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Right, but you would do better using a different name on your apps.   NotYourAverageJoes would probably cause more confusion but something like SolidReliableAndOhSoCreditWorthy   might get better results!

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I needed a Good Laugh

Thank You!

[CreditInspired]

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@Anonymous wrote:

The thing about approvals is that they're contagious, some people simply cannot stop at one. And the more you keep apping, and are rejected the more it will continue to happen.

Some people's files can handle app sprees, some cannot. Your first denial should be a wake up call to slow down and age things.

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^^ this

Denials begat denials

[CreditInspired]

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@MakingProgress wrote:

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@AverageJoesCredit wrote:
My scores are in 700's i have no lates, no baddies, no lender has a legit reason to deny me yet here i am denied by the many ,chosen by the few Legitimately

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MF chooses you Average Joe!

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Hear, hear 

[Anonymous]

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@CreditInspired wrote:

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@MakingProgress wrote:

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@AverageJoesCredit wrote:
My scores are in 700's i have no lates, no baddies, no lender has a legit reason to deny me yet here i am denied by the many ,chosen by the few Legitimately

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MF chooses you Average Joe!

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Hear, hear 

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+1