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

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Frequent Contributor

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

Yep, got my denial letter too!

 

Your credit score: 675
Key factors:
Length of time accounts have been established
Number of recent inquires
Prop of loan balances to loan amounts.

 

 

Me having 51 inquiries and a lot of new cards cut my throat on this one!

Amex Cash Mag 10K | Amex ED 10K | Amex BCE 7.5K | 5/3RD SU2C 10K | 5/3RD SU2C 6.5K | Barclays Cash Fwd 6K | Citi® Diamond Preferred 8.3K | Citi® Simplicity 7.4K | Citi® TY 4.5K | Citi® DC 4K | Cap One QS Visa 14.6K | Cap One WM MC 11K | Discover It 19.5K | Discover Miles 6K | BOA Cash 13.2K | BOA 7K | State Farm Visa 4K | US Bank FlexPerks Select+ AMEX 18K | US Bank Plat 11.5K | US Bank Cash+ 11.2K | Chase AARP 3.5K | FNBO Rewards 20K | Huntington Voice 6,250K | Huntington Voice Rewards 7.2K | HSBC Rewards 4.7K | HSBC Gold 1.2K | PNC Cash Rewards 15K | PNC Core Visa 15K | PNC Points 4K | Fidelity Visa Sig 15K | Target MC 11K | TD Bank Cash 4.5K | BB&T 6.5K | BB&T 6.5K | BB&T 6.5K | BB&T 6.5K | Rakuten Visa 10K | Ebay MC10K | Marvel MC 10K | Paypal Credit 10K | Apple Card 4.5K | F8 Scores 5/20 EX759; TU781; EQ792. New car lease 1/20.
Message 21 of 40
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Established Contributor

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

It's funny you got knocked also for having an outstanding loan. And, they dinged me for not having a loan?....Geez!!😥
Message 22 of 40
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Established Contributor

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

Buttholes

3B profile optimization in progress...
Message 23 of 40
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Established Contributor

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

The loan denial is an installment loan response, so I don't think they're caring about your cc's.
Really does seem like they're an installment loan after all. Which is bananas.
03/09 EX- 701 TU- 716 EQ- 684 || 12 Mnth Inq EX- 3 TU- 1 EQ- 4
Last late Payment Feb '14(180 Days) || Oldest ACC- 4 Yrs
AAOA- 1.8 years || Total CL 84k || Goal: 700 across the board


Message 24 of 40
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Senior Contributor

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


@micheland30 wrote:
It's funny you got knocked also for having an outstanding loan. And, they dinged me for not having a loan?....Geez!!😥

Neither of you were denied for those reasons. That's just a plugin denial code. It's the overall profile that results in the denial, not the individual reasons listed.

Message 25 of 40
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Established Contributor

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


@micheland30 wrote:
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.

I got mine today. It said I was denied because THEY COULD NOT VERIFY IDENTITY.  They refused my offer to send in notarized verification of identity and residence when I talked to them after the computer said to call they needed more information.  Sounds like they don't want to verify identity, not that they can't. Oh well. I am now blissfully free of the Blispay stress.

Message 26 of 40
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Valued Contributor

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


@micheland30 wrote:
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.

Awww 49 shmorty nine. Taint nuttin!

NFCU-BBVA-Discover-Idaho Central FCU-Capital One-Goldman Sachs (Apple)-Redstone-John Deere-Signature-EECU-BofA-AOD-Chase-Amex-Banco de Popular-Banco Do Brasil-Commerce-Truist-Citi-Synchrony-HSBC-USAA-Amegy-FNBO-Dell-Regions
Message 27 of 40
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Valued 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.


Bahahahahahahahaha  

NFCU-BBVA-Discover-Idaho Central FCU-Capital One-Goldman Sachs (Apple)-Redstone-John Deere-Signature-EECU-BofA-AOD-Chase-Amex-Banco de Popular-Banco Do Brasil-Commerce-Truist-Citi-Synchrony-HSBC-USAA-Amegy-FNBO-Dell-Regions
Message 28 of 40
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Established Contributor

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

49 is child's play. I have 85 EX INQs. 22 from Amex alone.

Gardening since 12/15/2019. Goal 12/15/2021
FICO 8 as of 12/16/2019 - EQ 602 EX 656 TU 628
Message 29 of 40
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Contributor

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

I haven't giggled this much about the word "buttholes" since I was in elementary school! Smiley Very Happy

Message 30 of 40
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