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"Edit: Approved!! Apple Card App decision: "We are unable to verify your identification information"

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Established Member

"Edit: Approved!! Apple Card App decision: "We are unable to verify your identification information"

""Update"" After 5 months of apps resulting the same message, today

out of the blue the system didn't ask for my I.D and was approved

for $6000 @ 20.99%!

"Transunion Fico 8: 724"

 

I got an invitation and decided to apply but half way

I got the above mentioned notification and had to abonden the application!

I did get an email right after saying if our dicision is in error, apply again.

The strange thing is they didn't pull any of my CRA files and I know all

my info are up to date on all 3 CRA.

I'm not even sure if I should apply again.

Any input is much appreciated.

Message 1 of 61
60 REPLIES 60
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Frequent Contributor

Re: Apple Card Application decision: "We are unable to verify your identification information&q

i seen where they use corelogic and checksystems too so it may be a mixed up on those file

everything i apply and they use a outside bureau like them i get denied .

i know i have nothing deliquent on chex too

08 ficos 9/2019 eq 685 tu 704 ex 677
Message 2 of 61
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Regular Contributor

Re: Apple Card Application decision: "We are unable to verify your identification information&a

They do soft pulls. When accepting, it becomes hard pull.






$2500 SL Barclay Apple Visa | $4500 CapitalOne Platinum | $1000 SL CapitalOne VentureOne | $10K SL PenFed Pathfinder
Goals: Age credit cards, grow scores into 700s
Message 3 of 61
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Established Contributor

Re: Apple Card Application decision: "We are unable to verify your identification information&q

Have you tried calling any CS reps? I have not received an invite, but surely there has to be a number somewhere you can call to complete the verification. 



Message 4 of 61
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Established Member

Re: Apple Card Application decision: "We are unable to verify your identification information&a

Ya, it would've been nice if there was a number that I could contact with but

haven't been able to find one!

Message 5 of 61
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Regular Contributor

Re: Apple Card Application decision: "We are unable to verify your identification information&a

This made me laugh and I’m not laughing at you, just the situation is funny.

Is it possible that you have a credit Freeze or lock on with TU, Equifax, Experian or Innovis? Also, are you opted in for pre-approvals on CC’s? I have run into this situation in the past and found that to be the problem.
Message 6 of 61
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Established Member

Re: Apple Card Application decision: "We are unable to verify your identification information&a

Yes & yes!

But I did unlock all 3 files before I applied and I will "Opt-Out"

of pre-approvals if that could be the problem.

Thanks for the info.

Message 7 of 61
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Super Contributor

Re: Apple Card Application decision: "We are unable to verify your identification information&a

No don’t opt out, that will cause you to lose prequals. 



01/2019:
03/2020:

Closed: CareCredit $10K, B&H Payboo $7500
Hover over my cards to see my limits!
Goal cards: Cash+, Freedom.
Message 8 of 61
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Senior Contributor

Re: Apple Card Application decision: "We are unable to verify your identification information&a

You only have to unlock/unfreeze TU.













(Forgive typos, mobile.)(Everything said is Just IMHO.)
Scores updated March 2020.

In order to better answer your questions and record your DPs, please provide your profile stats: Any baddies? (clean/dirty), Number of accounts open and closed on CRs (thick/thin), AoOA? (aged/nonaged), AoYR-Age of Youngest Revolver (new accounts/no new accounts)? Open/closed loan on CR?
For example, mine is clean/thick/aged/new accounts, with open loan on record.
If you don't know where you fall, just list whether you have any baddies, your number of open and closed accounts, AoOA, AoYR and whether you have a loan on record.
For utilization questions, list individual and aggregate utilizations, revolving and installment. please.
Message 9 of 61
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Senior Contributor

Re: Apple Card Application decision: "We are unable to verify your identification information&a


@audio-disabled wrote:

They do soft pulls. When accepting, it becomes hard pull.


For clarification, you go through the application process, the do a SP, and then they approve you with APR and CL. Then they will HP when you accept?

American Express: Platinum Charge, Optima, Business Gold, Delta Business Platinum
Barclays: Arrival+ WEMC
Capital One: Savor WMC, Venture VS
Chase: Freedom U VS, CSR VI
Citibank: AAdvantage Platinum WEMC
Elan/US Bank: Fidelity VS
Credit Union: Rewards Visa
FICO 08: (2.4.20) EX: 832 / EQ: 840 / TU: 833
Message 10 of 61
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