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Capital One 360

The last post in this topic was posted 2225 days ago. 

 

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I have an unsecured Capital One Mastercard and three Capital One 360 Savings accounts (UGMA accounts).

 

I went to open a 360 Checking account and got this denial:

 

 

 

Thanks for your interest in 360 Checking. As you know, 360 Checking requires a credit check to determine your eligibility for the account. Unfortunately, you're unable to complete the account opening process for the reason(s) listed below:
  • You have no credit score reported.
Because of this, you can't open 360 Checking.

We obtained your credit information from Equifax, an outside credit reporting agency on 09/27/2014. Below is your credit score that was reported to us. Your score reflects the information in your credit report and can change depending on how the information in your report changes.

Your Reported Credit Score: No Credit Score reported.
Credit Score Range Low to High: 300 to 850

This information in whole or in part influenced our decision, however, Equifax did not participate in the decision-making process and are unable to provide specific reasons as to why this action was taken. If you have questions about your credit report, please review the following information:

Equifax Consumer Services
PO Box 740241
Atlanta GA 30374-0241
1−800−685−1111
www.equifax.com

 

How could have no score? Does this make any sense?

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I think it's too early to see the inquiry thru the back eq door.

 

I did get the usual 5 question id check. I wonder if the fraud alert is why.

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yes, this is true.

 

but i should still have a score. should be mid to low 600's.

 

i wonder if they can't match my address with a report or something. i do delete all addresses and only list a PO Box.

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yes, this is true.

 

but i should still have a score. should be mid to low 600's.

 

i wonder if they can't match my address with a report or something. i do delete all addresses and only list a PO Box.

 

If they can't access your report, they can't provide score. What would they have to calculate a score? Just saying...

 

If your report is not frozen, disregard my opinion.

Edited by BamaInvestor

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yes, this is true.

 

but i should still have a score. should be mid to low 600's.

 

i wonder if they can't match my address with a report or something. i do delete all addresses and only list a PO Box.

 

If they can't access your report, they can't provide score. What would they have to calculate a score? Just saying...

 

 

I guess I will have email them for classification on this one.

 

I wasn't looking for an overdraft line of credit. I didn't want to take the HP for that.

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