Jovia Membership Denied!

[DCY030]

Hello,

I applied for membership after unfreezing TU. They pulled Chex but I dont see a SP on TU. Chex Score is 677 with 4 INQ in last 18 months, and fifth one is from Jovia.

I rember an old thread where someone ran into similar issue. I reached out to Chex but they have no clue. 

For ref, LN is frozen.

I got an AAN with following citation."

Score: 9995 Score Date: 2024-10-24

 

The principal reasons that influenced this decision are:

- Third-party security freeze alert

 

 

To contact ChexSystems, you may use one of the following methods:

 

- Visit their website: www.chexsystems.com

- Call their Voice Response Unit: 800-428-9623

- Send mail to: ChexSystems, Attention Consumer Relations, PO Box 583399 Minneapolis, MN 55458"

[DCY030]

Anyone with any insight into how to address this?

@shifter or any other experienced members!

[shifter]

I'm guessing the freeze alert is about LN, not Chex. But it could be a TU issue also. I would contact Jovia directly about the denial.

[DCY030]

TU was not frozen. Only LN was frozen along with SageStream. I lifted the freez today. I asked Jovia but they had no clue, I will contact them again.  

[DCY030]

So I was able to triage the issue and eliminated "Third Party Credit Freez Alert" that was preventing account opening.

it has been discussed here before.

I will cite the threads here for future reader to circumvent or navigate the challenge of CU denials citing Chex when Chex is not actually frozen.

Second Thread is :

 

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