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cv91915 has set up a Go Fund Me page to take donations that will be used for flowers for breeze's memorial, and excess will be donated to a cancer charity in breeze's name.  If you'd like to participate, please go here:  https://www.gofundme.com/breeze-memorial .  If you have any questions about donating or the GFM, please reach out to cv91915.  
 
 
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Sunday, unexpectedly, we lost one of our own.  After a sudden diagnosis of liver cancer just two days before, our very own mama Breeze lost her battle with this disease and passed away on Sunday afternoon.   She passed peacefully surrounded by her family.
 
We know that many of you will be as devastated as we are to learn of this, and we know that you will share in our grief.  We will be in the Feedback forum with you, sharing our memories and our tears.  We encourage you to join us there.
 
We started on this journey fifteen years ago - breeze, Pam, LKH, and radi8.  Through everything that has transpired over the past fifteen years, we have always remained family - and Mama breeze was an integral part of that family.  We will be posting additional information here, as much as we can while still respecting her desire for privacy and anonymity.  For now, while we process our grief, we will close this notice with Godspeed, Mama.  We miss you so much already.

 

- Pam, LKH, radi8, Marv

- the mods and forum leads


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BobWang

The Master Inquiries Listed as Reason for Denial Thread

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2012-02-17 Discover Student More denied Experian 660 (250-900)

2012-02-17 Discover Denial Reason #1: Number of Inquiries in the last 6 Months (2 inquiries) (5 total)

2012-02-17 Discover Denial Reason #2: Unsatisfactory Bank Revolving Trade (Walmart, AU BofA)

2012-02-17 Discover Denial Reason #3: High Utilization on Opened Accounts ($3.5k Student Loan)

 

Inquiries:

2011-01-12 University Housing

2011-06-12 Sears

2011-07-01 University Housing

2011-08-11 Auto Loan Quote (Paying cash, Salesman pulled hard)

2012-02-17 Citi

 

Edited to correct 2012-07-17 to 2012-02-17

Edited by BobWang

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2012-02-17 Discover Student More denied Experian 660 (250-900)

2012-02-17 Discover Denial Reason #1: Number of Inquiries in the last 6 Months (2 inquiries) (5 total)

2012-02-17 Discover Denial Reason #2: Unsatisfactory Bank Revolving Trade (Walmart, AU BofA)

2012-02-17 Discover Denial Reason #3: High Utilization on Opened Accounts ($3.5k Student Loan)

 

Inquiries:

2011-01-12 University Housing

2011-06-12 Sears

2011-07-01 University Housing

2011-08-11 Auto Loan Quote (Paying cash, Salesman pulled hard)

2012-02-17 Citi

 

Edited to correct 2012-07-17 to 2012-02-17

 

Those are your denials?

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2012-02-17 Discover Student More denied Experian 660 (250-900)

2012-02-17 Discover Denial Reason #1: Number of Inquiries in the last 6 Months (2 inquiries) (5 total)

2012-02-17 Discover Denial Reason #2: Unsatisfactory Bank Revolving Trade (Walmart, AU BofA)

2012-02-17 Discover Denial Reason #3: High Utilization on Opened Accounts ($3.5k Student Loan)

 

Inquiries:

2011-01-12 University Housing

2011-06-12 Sears

2011-07-01 University Housing

2011-08-11 Auto Loan Quote (Paying cash, Salesman pulled hard)

2012-02-17 Citi

 

Edited to correct 2012-07-17 to 2012-02-17

 

Those are your denials?

Bob's denials :o

Edited by 1234

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It's possible to get denied for having too many inquiries??? Never seen that for a reason, is there a way to get rid of the pesky little suckers?

 

:P

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It's possible to get denied for having too many inquiries??? Never seen that for a reason, is there a way to get rid of the pesky little suckers?

 

:P

 

Nope. They are super sticky for 24 months. angel.gif

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GECRB/Walmart denial of CLI due to 4 factors, 1 being too many INQ (2 INQ)

Edited by gabbyraja

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Amex Zync

 

You have charged-off financial obligations reflected in a report obtained from Teletrack Consumer Reporting Agency. (Didn't even know what this was)

 

Your FICO? score (See below) (Score on denial was 657)

 

Too many new accounts. (Experian) (2 accounts opened in last 12 months)

 

Number of trades (Experian) (Not even sure what this really means)

 

ETA details in ( )

Edited by harmstrong523

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Justice Federal Credit Union denied me membership in April 2011 for having too many Equifax inquiries.

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Nordies denied me for too many inquiries the first time I tried (5-6 inqs on EQ). I bumped them all off in less than a month, re-applied and was approved. :D

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AmEx Zinc (could be new accounts, not just inquiries)

Discover

GECRB/Walmart

JFCU

Nordstrom

PNC

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PSECU denied me last month strictly based on INQs. 32 INQs on EX. 2 within last year. I was a moron in 2010. :)

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AmEx Zinc (could be new accounts, not just inquiries)

Discover

GECRB/Walmart

JFCU

Nordstrom

PNC

PSECU

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AmEx Zinc (could be new accounts, not just inquiries)

Discover

GECRB/Walmart

JFCU

Nordstrom

PenFed

PNC

PSECU

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FICO returns a score based on 4 reasons. If the number of inquiries impacted the score, then, and only then, will it return that as the fifth reason.

 

It's relatively easy to program your "adverse action letter" using the factor the lender prefers to use.

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