bLISpAY rejected!!!

[Anonymous]

I wonder if it will be a hidden TL like BML/PayPal Credit as it has similar financing and BML/PayPal Credit also shows as a loan....

[Blodreina]

Looks like they have pretty consistent, firm criteria for approval.  Seems like every denial I've seen is 670 or so (and lower).

[_NERD]

We need a Definitive Blispay post with all the facts in the OP. Baseline data points, CLI procedure, recon number, backdoor number to CS or UW, the EO e-mail...

.... You know, stuff.

[Anonymous]

Good thread

[Anonymous]

+1

[Anonymous]

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@Anonymous wrote:

Has anyone actually gotten an approval in a 7 - 10 day letter.  With all the online and telephone approvals and no request for mailed or uploaded verifications I assume that the letters are reserved for denials.  I am waiting on mine after calling them in response to their message to call in within 5 days.  After giving them the info on the phone they informed me of the letter.

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I finally got my letter today. It was a rejection for UNABLE TO VERIFY IDENTITY OF APPLICANT.  When I called them after my online initial application went under review I asked them on the phone if they needed me to send any verification documents and they said no. I do think they should give an applicant the ability to prove their identity as sometimes credit bureau files are convuluted when it comes to addresses and so forth that might not match eactly with the application info submitted.  Then if the verification documents are not up to their underwriting standards by all means deny the applicant.

It's their thing, so they can do what they wanna do. I am so over Blispay. Time to move on.

[CreditCuriosity]

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@Anonymous wrote:

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@Anonymous wrote:

Has anyone actually gotten an approval in a 7 - 10 day letter.  With all the online and telephone approvals and no request for mailed or uploaded verifications I assume that the letters are reserved for denials.  I am waiting on mine after calling them in response to their message to call in within 5 days.  After giving them the info on the phone they informed me of the letter.

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I finally got my letter today. It was a rejection for UNABLE TO VERIFY IDENTITY OF APPLICANT.  When I called them after my online initial application went under review I asked them on the phone if they needed me to send any verification documents and they said no. I do think they should give an applicant the ability to prove their identity as sometimes credit bureau files are convuluted when it comes to addresses and so forth that might not match eactly with the application info submitted.  Then if the verification documents are not up to their underwriting standards by all means deny the applicant.

It's their thing, so they can do what they wanna do. I am so over Blispay. Time to move on.

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Oh please not another BBVA thing like IRS/SageStream/Innovis being used to verify idenity ... Be a big mess if so

[Anonymous]

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@CreditCuriousity wrote:

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@Anonymous wrote:

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@Anonymous wrote:

Has anyone actually gotten an approval in a 7 - 10 day letter.  With all the online and telephone approvals and no request for mailed or uploaded verifications I assume that the letters are reserved for denials.  I am waiting on mine after calling them in response to their message to call in within 5 days.  After giving them the info on the phone they informed me of the letter.

---

I finally got my letter today. It was a rejection for UNABLE TO VERIFY IDENTITY OF APPLICANT.  When I called them after my online initial application went under review I asked them on the phone if they needed me to send any verification documents and they said no. I do think they should give an applicant the ability to prove their identity as sometimes credit bureau files are convuluted when it comes to addresses and so forth that might not match eactly with the application info submitted.  Then if the verification documents are not up to their underwriting standards by all means deny the applicant.

It's their thing, so they can do what they wanna do. I am so over Blispay. Time to move on.

---

Oh please not another BBVA thing like IRS/SageStream/Innovis being used to verify idenity ... Be a big mess if so

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What is the BBVA/IRS/Sage Stream/Innovos?  Sounds interesting.  I'd like to know what it's all about.

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

Has anyone actually gotten an approval in a 7 - 10 day letter.  With all the online and telephone approvals and no request for mailed or uploaded verifications I assume that the letters are reserved for denials.  I am waiting on mine after calling them in response to their message to call in within 5 days.  After giving them the info on the phone they informed me of the letter.

---

I finally got my letter today. It was a rejection for UNABLE TO VERIFY IDENTITY OF APPLICANT.  When I called them after my online initial application went under review I asked them on the phone if they needed me to send any verification documents and they said no. I do think they should give an applicant the ability to prove their identity as sometimes credit bureau files are convuluted when it comes to addresses and so forth that might not match eactly with the application info submitted.  Then if the verification documents are not up to their underwriting standards by all means deny the applicant.

It's their thing, so they can do what they wanna do. I am so over Blispay. Time to move on.

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Interesting... Are you going to call them back?

[Anonymous]

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@beautifulblaquepearl wrote:

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@Anonymous wrote:

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@Anonymous wrote:

Has anyone actually gotten an approval in a 7 - 10 day letter.  With all the online and telephone approvals and no request for mailed or uploaded verifications I assume that the letters are reserved for denials.  I am waiting on mine after calling them in response to their message to call in within 5 days.  After giving them the info on the phone they informed me of the letter.

---

I finally got my letter today. It was a rejection for UNABLE TO VERIFY IDENTITY OF APPLICANT.  When I called them after my online initial application went under review I asked them on the phone if they needed me to send any verification documents and they said no. I do think they should give an applicant the ability to prove their identity as sometimes credit bureau files are convuluted when it comes to addresses and so forth that might not match eactly with the application info submitted.  Then if the verification documents are not up to their underwriting standards by all means deny the applicant.

It's their thing, so they can do what they wanna do. I am so over Blispay. Time to move on.

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Interesting... Are you going to call them back?

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I don't think so.  i'm identity verified out now.  Most companies are doing it and I know why and I don't have a problem with  it. My problem is they didn't even try to or give the applicant a chance to identify themselves.  I guess we wil have to wait and see if anyone was asked to send in documents and whether or not they got an approval after the fact.  I am not going to chase them for a card as my applying was just a whim anyway. I'm in my "Let It Go Louie" mode now.