Re: FNBO ReApp Question

bigseegar · ‎02-06-2023

I know I've seen posts where this happened to several of us. Was been Pre-Qualified for FNBO cards showing CL and INT, chose the Evergreen card. Then in went to pending. A few days later, denial. Letter comes and states it was due to "Not able to verify Info". (Side Note: I called and after a discussion Rep said it was because my LexisNexis was Frozen, and it was. I know same claim thats not the case, blah blah).

Question is has anyone ever reapped after this happened and gotten approved? I'm showing Pre-Qualified again and Rep said to re-app after I Unfroze LN. But I don't want to waste a 2nd HP from FNBO for nothing.

bigseegar · ‎02-08-2023

Anyone....Anyone....Bueller....Bueller....surely I can't be the only one considering reapplying after receiving that reason lol

Remedios · ‎02-08-2023

As long as LN is not frozen and data they have is identical to what you're putting on the application, there should be no reason why you wouldn't be able to apply.

If LN has any errors (addresses, names, phone numbers, employers etc), dispute those prior to applying.

I don't think anyone re-applied after getting that reason, most were wondering what's not matching and/or VPN use.

Also, you're lucky they specifically named LN, most weren't informed that another report was accessed so they focused on CR from big 3.

Good luck if you decide to apply

SouthJamaica · ‎02-09-2023

@bigseegar wrote:
I know I've seen posts where this happened to several of us. Was been Pre-Qualified for FNBO cards showing CL and INT, chose the Evergreen card. Then in went to pending. A few days later, denial. Letter comes and states it was due to "Not able to verify Info". (Side Note: I called and after a discussion Rep said it was because my LexisNexis was Frozen, and it was. I know same claim thats not the case, blah blah).

Question is has anyone ever reapped after this happened and gotten approved? I'm showing Pre-Qualified again and Rep said to re-app after I Unfroze LN. But I don't want to waste a 2nd HP from FNBO for nothing.

No I have no experience with that.

But it stands to reason that if the real reason for the denial was your frozen Lexis Nexis file, and you've since unfrozen your Lexis Nexis file, you should be good to go. I can't, however, give you any assurance that your HP will be well spent.