GEMB HIGH RISK SOURCE OF APPLICATION

[JonStur]

I would cal them back again because the explanation you received IMHO was neither helpful nor constructive..also remember since you were denied credit you're eligible for a free credit report. May as well take advantage of that...

[Anonymous]

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@JonStur wrote:
I would cal them back again because the explanation you received IMHO was neither helpful nor constructive..also remember since you were denied credit you're eligible for a free credit report. May as well take advantage of that...

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Not if they never pulled a report because they used their own internal records (i.e. if they rejected him because he applied for another account back in May).

[Anonymous]

I am with GE and read your posting.  Please send your contact phone number to [Edited] so we can reach out to you directly.

Personal information is not allowed to be posted as per the Forum's Terms of Service.

Thanks for your understanding-MarineVietVet, myFICO moderator.

[TiggerDat]

What this means is that they know the IP address of where you are and decided that makes the likelihood of you actually being the person to be great.  Basically, if you are not in the US they know it by the IP address.  Don't fault them for that.   It is possible that you are in the US and not near the address you live at or in a public location as a library and this could also result.  It still really amazes me that they would even pull a credit bureau report since they have determined this and made the decision regardless of your score or the fact that the address you using is your home address in the US!

[LS2982]

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@Anonymous wrote:

I am with GE and read your posting.  Please send your contact phone number to [Edited] so we can reach out to you directly.

Personal information is not allowed to be posted as per the Forum's Terms of Service.

Thanks for your understanding-MarineVietVet, myFICO moderator.

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I have 2 GECRB accounts already, I'm interested in Walmart and Lowes, would they decline me for too many accts?

[guydiver]

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@LS2982 wrote:

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@Anonymous wrote:

I am with GE and read your posting.  Please send your contact phone number to [Edited] so we can reach out to you directly.

Personal information is not allowed to be posted as per the Forum's Terms of Service.

Thanks for your understanding-MarineVietVet, myFICO moderator.

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I have 2 GECRB accounts already, I'm interested in Walmart and Lowes, would they decline me for too many accts?

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Nope, GEMB seems to like their established customers.  That is unless you have any issues with your other accounts they might not look kindly upon.

[LS2982]

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@guydiver wrote:

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@LS2982 wrote:

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@Anonymous wrote:

I am with GE and read your posting.  Please send your contact phone number to [Edited] so we can reach out to you directly.

Personal information is not allowed to be posted as per the Forum's Terms of Service.

Thanks for your understanding-MarineVietVet, myFICO moderator.

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I have 2 GECRB accounts already, I'm interested in Walmart and Lowes, would they decline me for too many accts?

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Nope, GEMB seems to like their established customers.  That is unless you have any issues with your other accounts they might not look kindly upon.

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The 2 cards I have from them have been treated good the past 3 months. I've had them for 3 months.

[Anonymous]

I would tend to agree. GEMB likes established customers. Once you have an account with them, and have established a history of paying on time for six months or more. They are most likely to approve you for another. I have three three accounts with them.  

[john398]

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@bernhardtra wrote:

What this means is that they know the IP address of where you are and decided that makes the likelihood of you actually being the person to be great.  Basically, if you are not in the US they know it by the IP address.  Don't fault them for that.   It is possible that you are in the US and not near the address you live at or in a public location as a library and this could also result.  It still really amazes me that they would even pull a credit bureau report since they have determined this and made the decision regardless of your score or the fact that the address you using is your home address in the US!

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What if you apply thru your work computer and that IP address goes thru another state, I guess your denied, that seems unfair

[Anonymous]

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@john398 wrote:

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@bernhardtra wrote:

What this means is that they know the IP address of where you are and decided that makes the likelihood of you actually being the person to be great.  Basically, if you are not in the US they know it by the IP address.  Don't fault them for that.   It is possible that you are in the US and not near the address you live at or in a public location as a library and this could also result.  It still really amazes me that they would even pull a credit bureau report since they have determined this and made the decision regardless of your score or the fact that the address you using is your home address in the US!

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What if you apply thru your work computer and that IP address goes thru another state, I guess your denied, that seems unfair

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If you are in the military and stationed overseas they also decline your application with the same old "High Risk Source of Application."  Seems pretty dumb to me since they have other methods at their disposal to verify if the application is legitimate or not.  Guess they are too lazy.