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BML strange denial and Equifax problem

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Anonymous
Not applicable

BML strange denial and Equifax problem

I recently applied for Paypal Credit formerly Bill Me Later. My reason for denial states

 

Your information was incomplete or inaccurate or the circumstances may have suggested that the purchase was not made by you.

 

Their was an Equifax disclosure, I went on the website to obtain the free credit file. After entering in my information this message came up

 

We're sorry... We cannot display your Equifax credit file disclosure as the identifying information you provided does not match data currently in our system.

 

I apologize in advance for my ignorance as I have only had credit since June of this year and I am still learning, What causes both of these messages and how do i go about fixing them? Thank you for any help or advice you may have for me. I can surely use it.

Message 1 of 7
6 REPLIES 6
Anonymous
Not applicable

Re: BML strange denial and Equifax problem

Does the billing/shipping info you entered for the purchase you want to use them for match your Equifax report? In my experience when applying for credit during checkout of any sort they want the addresses to match your credit report. Did they do a hard pull?

Message 2 of 7
Anonymous
Not applicable

Re: BML strange denial and Equifax problem

No hard pull was done. I tried to get my credit reports from here, but I have to wait till my cards hit 6 months to get a credit report. Thank you for the reply, I really appreciate it!

Message 3 of 7
Kenny
Moderator Emeritus

Re: BML strange denial and Equifax problem

I think Equifax had a brain fart yesterday..
Message 4 of 7
Boonie
Frequent Contributor

Re: BML strange denial and Equifax problem

I can't get my Equifax report for unknown reasons...  Equifax doesn't even know why yet.   Something must be up.

04/10/17 - FICO 8s - EX 769, EQ 710, TU 724
Message 5 of 7
B335is
Moderator Emeritus

Re: BML strange denial and Equifax problem


@KennyRS wrote:
I think Equifax had a brain fart yesterday..

+1

 

They said there was "increased customer volume" when I asked what was going on.

Message 6 of 7
Ghoshida
Valued Contributor

Re: BML strange denial and Equifax problem


@Anonymous wrote:

I recently applied for Paypal Credit formerly Bill Me Later. My reason for denial states

 

Your information was incomplete or inaccurate or the circumstances may have suggested that the purchase was not made by you.

 

Their was an Equifax disclosure, I went on the website to obtain the free credit file. After entering in my information this message came up

 

We're sorry... We cannot display your Equifax credit file disclosure as the identifying information you provided does not match data currently in our system.

 

I apologize in advance for my ignorance as I have only had credit since June of this year and I am still learning, What causes both of these messages and how do i go about fixing them? Thank you for any help or advice you may have for me. I can surely use it.


I have two year of credit and Equifax does the same to me with online reports. I've got bored of trying to reach them over phone, so I just order my reports through mail. One of these days I need to seriously sit down and get it sorted.

 

If you think you may have taken a hard inquiry, you can obtain your CR. When Equifax shows such a message, what you can do is to print their page and attach it to 2 supporting docs (photocopy of DL, proof of SSN such as W2 or paystub etc) and mail it to their Georgia PO Box. 

Message 7 of 7
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