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My guess is that somehow this is considered a duplicate application, and that one is in process. Duplicates are automatically declined with no credit file pulled. But when you call they don't have any record of two applications?
Have you pulled your scores and report from this site to see if it was a hard or soft pull? Also could your scores be the reson for the denial?
Hmmm. A duplicate app could be a possibility if I inadvertantly pressed submit twice. But neither credit rep or analyst mentioned a dupe to me.
As for my scores being a reason for denial: absolutely possible, as well as the baddies still showing (paid, est fall off June & July 2013), and one open collection in disputeas as fraudulently opened. But the issue isn't being denied; the issue is that Discover claims app is still being processed and claims not to have pulled a credit report.
Yea this is definitely a new one....
@longtimelurker wrote:My guess is that somehow this is considered a duplicate application, and that one is in process. Duplicates are automatically declined with no credit file pulled. But when you call they don't have any record of two applications?
We have a winner! I just spoke with Discover and the rep told me this was a duplicate app placed online. What is ironic is I placed the app online, got the 7-10 message and called the next day to recon; at that time the rep entered a new application which was denied (derogs), and the original online app became null. A new denial letter will be sent and will hopefully show my FICO score; the bureau pulled was Equifax.
So now I await a decision from Chase (for the Slate line) and wait until August to retry for Discover (Chase, too, if need be); and then, no matter which outcome I get from those apps, off to garden all of 2014.
I called Chase today. They still haven't received my identification documents for verification; I faxed them last Wednesday and it can take awhile for the faxes to get sorted and attached to your app, so its a wait game for now.
Thanks! Will update when decision is made.
Good luck with Chase!!