App spree planning... too much for a rebuilder?

[Duck Bills]

Sounds like what happened with me.

 

I had Sam's business & PayPal with GEMB when they denied me.

 

DW applied online and was TDed, Letter said they pulled TU and were unable to veify her idenity.

 

I applied in person and was also TDed, I have JCPenney and PayPal connect with them both low limits, but PIF every month. The thing that bothers me the most is they pulled EX.

[BobWang]

What reason did they give you? I really just wanted the free FICO

Unable to verify identity.

[road2freedom]

How the heck is that a decline reason with no option to resolve it?

 

Edit: Did they still pull credit?

Edited May 1, 2012 by road2freedom

[BobWang]

How the heck is that a decline reason with no option to resolve it?

 

Edit: Did they still pull credit?

Equifax hard pull for the Dillard's AmEx.

[road2freedom]

EQ complete alerts don't show an inquiry yet. It does show the DCU inquiry (which was after Walmart). Nothing on MPM or USAA, but they are a bit slow. I'm resisting the urge to update my reports so I don't have softs to burn between B*.

 

The worst part is I finally unfroze EX last week so I would avoid any identity verification issues... doh!

[road2freedom]

Grrr.... Walmart pulled EX. Are you f-n serious...

[ugghh]

OUCH!

[road2freedom]

Yeah, not thrilled. So I pulled a copy of EX and it looks like some creditors re-aged accounts last year at some point. I don't know if this is the issue but it's still inaccurate at best. I didn't notice it from the formatting of the monitoring companies. I'm working on a dispute letter now and will pursue the companies individually if it comes back verified. The good news is I get to use some "the Office" legal pads my wife got me a few years back. I never had a use for them before but I'll be playing hardball this time around. What I love is that it has a background picture of Steve Carell and has "That's what she said" printed on it.

[road2freedom]

DCU did in fact pull twice.

[Take Action]

Just remember that inquiries are still being held in databases that are not bumpable.

Isn't it only inquiries for Visa and MC applications that get retained in those databases?

 

I thought inquiries for CLIs, store cards, AmEx, Discover etc. were safe in that regard.

Yes, 1 CLI, of the 6 mentioned, would not be captured in other databases.

 

I'm interested in finding out more about these Visa/MC inq databases. Could you provide more info? Couldn't find a thread on this. What account opening verification services will this affect?

[Take Action]

DCU did in fact pull twice.

Sorry to hear that

BTW, I use LC to get my TU04, so you don't need Wally. You should be assured a denial from LC, and they SP. My stats (score, BK) are very close to yours.

[road2freedom]

LC... interesting... thanks.

[road2freedom]

Got my decline letter from GECRB/Walmart today. The sole reason was BK. Totally perplexed now...

[fusioncredit]

DCU did in fact pull twice.

Sorry to hear that

BTW, I use LC to get my TU04, so you don't need Wally. You should be assured a denial from LC, and they SP. My stats (score, BK) are very close to yours.

 

What does LC stand for?

[BobWang]

Lending Club

[ugghh]

DCU did in fact pull twice.

Sorry to hear that

BTW, I use LC to get my TU04, so you don't need Wally. You should be assured a denial from LC, and they SP. My stats (score, BK) are very close to yours.

 

What does LC stand for?

 

I PM'd R2F to find out what that was too LOL

[road2freedom]

 

Update: I know GECRB doesn't do recons but I am trying a recon letter with GECRB anyway just for the fun of it. I was in a letter writing mood last week.

 

I'm still contemplating applying for the ELFCU card next week. I'll be checking here early Monday to see what others experienced. After that I might sneak in a NFCU CLI request and then I'll be forced into gardening mode. I plan to close my secured Visa afterwards too.