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Woohoo!! I got my denial letter from Blispay!!

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Established Contributor

Woohoo!! I got my denial letter from Blispay!!

With all of the approvals lately, I had to say that...lol!!

LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED (yeah.. I have several new accounts within the last 5 months).

LACK OF RECENT INSTALLMENT LOAN INFORMATION (um...I'm not taking out a loan for you).

NUMBER OF RECENT INQUIRIES (I admit...49 inquiries on Experian in the last 2 years).

Oh well....another one bites the dust. I'll just be happy with all of my other new accounts that I got in the last month (Amex Gold Delta Skymiles, Amex Hilton HHonors, Amex Green, Cabelas Visa, and my $15,000 John Deere account. I'm still tickled about that one.
Message 1 of 40
39 REPLIES 39
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Senior Contributor

Re: Woohoo!! I got my denial letter from Blispay!!

49....

 

Wow.

Gardening since: 3-25-15
Message 2 of 40
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Regular Contributor

Re: Woohoo!! I got my denial letter from Blispay!!

Me too!

"Your credit score: 754
Key factors:
Length of time accounts have been established
Number of recent inquires
Prop of loan balances to loan amounts"

My average credit history is 2 years, 9 inquires, and I have a student loan in deferment.
Buttholes.
Least I got a marvel.
Scores: EQ 740|TU 759|EX 759 Goal: 780
Message 3 of 40
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Super Contributor

Re: Woohoo!! I got my denial letter from Blispay!!


@TRC_WA wrote:

49....

 

Wow.


Smiley Surprised

1-1cbdefghijkl
Rebuild Begin 7/22-FICO alternating avg's 650 + - I'm so in the drink UGH
1213444ind
Message 4 of 40
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Established Contributor

Re: Woohoo!! I got my denial letter from Blispay!!

My Experian score was 678 at the time. Now it is 688.

Buttholes is right!! Me thinks that they spitted out automatic denial form letters, because they did not anticipate the huge response in that short period of time (Way to go MyFicos..lol!!). They just got too big for their britches too soon!!

Congrats on your Marvel card though!! 😊
Message 5 of 40
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Senior Contributor

Re: Woohoo!! I got my denial letter from Blispay!!


@micheland30 wrote:
My Experian score was 678 at the time. Now it is 688.

Buttholes is right!! Me thinks that they spitted out automatic denial form letters, because they did not anticipate the huge response in that short period of time (Way to go MyFicos..lol!!). They just got too big for their britches too soon!!

Congrats on your Marvel card though!! 😊

Are you saying that you don't feel those are valid reasons to deny you credit?

Gardening since 10/01/18 Gardenversary 10/01/20 Score: xx/xx/xx EQ xxx TU xxx EXP xxx
Current Score: 781
Goal Score: 800
Take the myFICO Fitness Challenge
Message 6 of 40
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Established Contributor

Re: Woohoo!! I got my denial letter from Blispay!!

49 is chump change! Someone else on this board actually GOT approved with 90. Go figure!!😲
Message 7 of 40
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Regular Contributor

Re: Woohoo!! I got my denial letter from Blispay!!

I think they can deny people for whatever they want. But I laughed when I saw the reported 754 score.
I'm not got enough for a brand new card with that, but I can get the synchrony marvel card for 10k about a week later. 😂
Scores: EQ 740|TU 759|EX 759 Goal: 780
Message 8 of 40
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Established Contributor

Re: Woohoo!! I got my denial letter from Blispay!!

Those are all valid reasons. So I'm not surprised by the denials or upset. As always YMMV.
Message 9 of 40
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Senior Contributor

Re: Woohoo!! I got my denial letter from Blispay!!


@Samac wrote:
Me too!

"Your credit score: 754
Key factors:
Length of time accounts have been established
Number of recent inquires
Prop of loan balances to loan amounts"

My average credit history is 2 years, 9 inquires, and I have a student loan in deferment.
Buttholes.
Least I got a marvel.

How many accounts have you opened in the past 6 months?

Gardening since 10/01/18 Gardenversary 10/01/20 Score: xx/xx/xx EQ xxx TU xxx EXP xxx
Current Score: 781
Goal Score: 800
Take the myFICO Fitness Challenge
Message 10 of 40
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