So it was bugging me and I broke down and called in. They asked for address which I gave (street address). She said that's not what the report shows. I said that is where I live and have lived for over 20 years. She said have you lived at another address? After arguing for a minute I said the street address I gave is where I live but I get mail at my PO Box since we are in a small town but I am not on a rural route for mail delivery. I gave her the PO Box number. She said this is what we show. I was looking at my Experian report and it shows my street address. I reminded her during the brief application process it stated you had to have a street address no PO Box. Then she asked for two credit card accounts that show up on my credit report. I gave her four, she said she saw two of them so she was ok with that. She then said you will get a 7-10 day letter telling you if you are approved or denied. She asked if I had any questions. I said do you factor in income in making your decision, she asked what is your income so I told her. She said I will make sure "they" see this. I said if you going to deny me why not do it now, it is what it is. Of course she said the letter would come out. I said ok thank you. Perhaps they have an analyst reviewing call in verifications. That might be the "they."
It was something I didn't much like about the customer service rep. She was not rude but the conversation just seemed off, I can't put my finger on it. I always feel wierd when "they" are mentioned and I don't know who "they" are.
I also asked since she was concerned about my address if she would like me to send in verification of residence and identity and she said no.
If i have to hazard a guess I would say it will be a denial. It seems like if everything does not match to a "T" on your online application and the bureau you won't get instant computer approval. If you have to call in I felt even with me giving them the correct verifiable info to compare to the report the fact a manual verification was required it does not sit well. This is just my opinion, I have nothing to support this statement.
They do use Experian. No alert has popped since yesterday evening when I applied and I have three set up so one should have picked it up by now. She seemed to have a report she was looking at so maybe there is a delay in tthe alerts.
I played it out now I will move on.
