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bLISpAY rejected!!!

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Anonymous
Not applicable

Re: bLISpAY rejected!!!

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....

Message 41 of 72
Blodreina
Established Contributor

Re: bLISpAY rejected!!!

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

Message 42 of 72
_NERD
Established Contributor

Re: bLISpAY rejected!!!

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.

3B profile optimization in progress...
Message 43 of 72
Anonymous
Not applicable

Re: bLISpAY rejected!!!

Good thread
Message 44 of 72
Anonymous
Not applicable

Re: bLISpAY rejected!!!

+1

Message 45 of 72
Anonymous
Not applicable

Re: bLISpAY rejected!!!


@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.

Message 46 of 72
CreditCuriosity
Moderator Emeritus

Re: bLISpAY rejected!!!


@Anonymous wrote:

@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

Message 47 of 72
Anonymous
Not applicable

Re: bLISpAY rejected!!!


@CreditCuriousity wrote:

@Anonymous wrote:

@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


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

Message 48 of 72
Anonymous
Not applicable

Re: bLISpAY rejected!!!


@Anonymous wrote:

@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.


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

Message 49 of 72
Anonymous
Not applicable

Re: bLISpAY rejected!!!


@beautifulblaquepearl wrote:

@Anonymous wrote:

@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.


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


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.

Message 50 of 72
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