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Need advice on Jared/Kay Cards

Established Contributor

Re: Need advice on Jared/Kay Cards

Mine shows the limit (the only reason I keep it). Pretty sure they exclusively pull EQ and its as easy of an approval as you can get. They approve in the mid 500's ive read. The CL could be anywhere depending how they feel that day.

Message 11 of 18
Regular Contributor

Re: Need advice on Jared/Kay Cards

My Equifax is 647, TransUnion is 688. But I was denied by Kay Jewlers yesterday when I applied online. I guess I will find out why when I get the letter.


Starting Scores(Jan/2011): EQ 564 TU 538 EXP 576
Current Score: EQ 692 TU 728 EXP 710 (Quizzle FAKO)Goal Score: 720


Wallet: Grow Visa 500, Capital One MC 2000, Capital One MC 1250, Paypal MC 3000, Jared 10500, Kay 2000, Walmart 2050, TJX Rewards 1200
Message 12 of 18
Established Contributor

Re: Need advice on Jared/Kay Cards


@randaljon wrote:

My Equifax is 647, TransUnion is 688. But I was denied by Kay Jewlers yesterday when I applied online. I guess I will find out why when I get the letter.



Thats strange to me. Did you call to recon? They may not been able to verify your info and just denied. It cant hurt to call.

Message 13 of 18
Regular Contributor

Re: Need advice on Jared/Kay Cards

recon? You can do that?


Starting Scores(Jan/2011): EQ 564 TU 538 EXP 576
Current Score: EQ 692 TU 728 EXP 710 (Quizzle FAKO)Goal Score: 720


Wallet: Grow Visa 500, Capital One MC 2000, Capital One MC 1250, Paypal MC 3000, Jared 10500, Kay 2000, Walmart 2050, TJX Rewards 1200
Message 14 of 18
Regular Contributor

Re: Need advice on Jared/Kay Cards

Wow I just looked at my equifax credit report, it's missing 80 percent of my accounts, this is after a week of no access to it, I wonder what is going on with equifax, I wonder if this is the reason Kay turned me down. They are not listing any of my installment accounts, zero inquiries, and only 2 of my revolving accounts. They also list an old collection account I settled and got deleted months ago. Weird.


Starting Scores(Jan/2011): EQ 564 TU 538 EXP 576
Current Score: EQ 692 TU 728 EXP 710 (Quizzle FAKO)Goal Score: 720


Wallet: Grow Visa 500, Capital One MC 2000, Capital One MC 1250, Paypal MC 3000, Jared 10500, Kay 2000, Walmart 2050, TJX Rewards 1200
Message 15 of 18
Frequent Contributor

Re: Need advice on Jared/Kay Cards

 

You should call EQ

AMEX Blue Cash - $15k, Lowes/GECRB - $10K, PNC - $10K, CIti Diamond Preferred - $10K, Home Depot/Citi - $7590, Best Buy Store/HSBC - $7400, Citi Platinum Select - $7150, Best Buy RZMC/HSBC - $5750, Dillards/GECRB - $4350, Discover More - $3600, Cap 1 Cash Rewards - $3000, Amex HHonors - $2000, State Farm - $2000, Cap 1 MTV - $1500
Message 16 of 18
Regular Contributor

Re: Need advice on Jared/Kay Cards

I got the rejection letter from Kay yesterday. Reason was "unable to verify identity due to fraud/security alert". I have sent Equifax countless fax and mailings to update my address and delete the fraud alerts. I am able to view my credit report daily due to disputes. One day the address is fixed, next day the address is deleted and old address is back up. I have sent them my updated driver license and soc sec card, utility bill countless times.

 

I tried to call them and I get some guy that barely speaks english trying to sell me credit monitoring products. He tells me he is unable to view my report.

 

Anyone have address and identity issues with Equifax and know of a good phone number I can get someone that can help me?


Starting Scores(Jan/2011): EQ 564 TU 538 EXP 576
Current Score: EQ 692 TU 728 EXP 710 (Quizzle FAKO)Goal Score: 720


Wallet: Grow Visa 500, Capital One MC 2000, Capital One MC 1250, Paypal MC 3000, Jared 10500, Kay 2000, Walmart 2050, TJX Rewards 1200
Message 17 of 18
Regular Contributor

Re: Need advice on Jared/Kay Cards

I had to go to the Kay store and verify identity. I was approved for $2800 with my 647 EQ Fico. If EQ was recognizing my AU accounts like TU I would of had a 688 score and maybe gotten a higher limit.


Starting Scores(Jan/2011): EQ 564 TU 538 EXP 576
Current Score: EQ 692 TU 728 EXP 710 (Quizzle FAKO)Goal Score: 720


Wallet: Grow Visa 500, Capital One MC 2000, Capital One MC 1250, Paypal MC 3000, Jared 10500, Kay 2000, Walmart 2050, TJX Rewards 1200
Message 18 of 18
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