They pulled both Equifax and Experian. Got a letter saying they were unable to verify my credit history. I am writing them back, if they don't approve it, I'm going to have them delete the inquiries being as they were "unable" to verify my credit history with them. If they couldn't verify my credit history, how come I can verify their inquiries? Gib
some people have had problems with their address not matching up. Also (just as a thought) do you have anything being disputed? Or any previous BK?
Yes, we just moved into our new house 3 weeks ago. I had it checked it checked (have you moved in the last 12 months?) when I applied. Gib
They MIGHT change their mind if you have ANY proof of new address...any credit card bill...magazine...utility bill...even a letter mailed to your new address from AUNT MARY...
Well, credit watch shows my scores in the 805-825 range if I pay down my balances. If the bastards decline it then, they can kiss my butt.
This happened to me June 2 2002--called Target after receiving the denial letter from equifax's inability to verify credit information. Representative had to pull my original application out of archives--it had only been 26 days-so after careful review I was told to re-apply but with the actual paper application(found in the store) as their website system uses some sort of credit report match and if everything does not match with what the report shows(down to abbreviations punctuation etc....it will give a denial, but evidentally when applying the conventional paper way, due to their data entry it provides complete comprehensive results) Update Target called Friday July 12 to let me know I was approved with a Target Visa--equifax-re-inquired on 7/12/02, dropping my fico a whopping 12 points to 650--had a considerable increase in June (prbably due to paying down student loans and current credit obligations and aging of accts) but then the score on 7/10/02 was at 662 and when I got the email from equifax credit watch last Friday it showed score of 650...only 4 inq on my report 2 from Target 1 From AEP (electric co--due to my recent independence of moving out for the first time-and applying for utilities in my own name) and the other was from Ameritech phone company same as inquiry about the electric...so each time I applied thru Target they nailed me with a hard inq both on 6/2/02 and another on 7/12/02. I have considered PFB them since it was due to their systems margin of error, not verifying proper address-the other two AEP and Ameritech could not be helped unless of course I wanted to live without electricity and phone service...also to run off topic for a second or two... I thought it was illegal but when I called these utility companies for new service I provided them with all my personal information over the phone, but never once did they say they were pulling a credit report, but I just assumed they would to check to see if the report has any past dues etc, which it does not for current accts, so when they said NO DEPOSITS I assumed they pulled but never did they actually say "With your permission I need to pull a credit report etc etc".....can anyone provide me with the legalities on this --as I might want to push the issue with those companies on a case by case basis-provided they would not cut me off their services while disputing...off track anyhow Today July 19, 2002 after a 5 day return from vacation I find my new shiny Target Visa Smart card ready for activation with 1,000 limit and 15.9% which for me isnt bad as many of my current cards are higher but should I still call to get the next lower tier(considering i dont revolve a balance this does not have much impact but is it worth the shot?--and also in the case I would have to revolve a balance...which probably would not be much of a difference in finance charges.) Just thought I would share some goodwill from here and having a good day and also let those who apply to get the message their response to me was send in a paper application-or go to the store--the results arrived today. Again appreciate this wonderful site, Rambling Jeremy
Its my understanding that they don't need your permission, but rather just a permissible purpose. Because of the business relationship and because they bill for the previous month after you have already used their service, I would think that they have a permissible purpose (unfortunately). L
YOU CAN SAY..."NO HARD~~~HARDS HAVE A DETREMENTAL EFFECT ON MY F.I.C.O. SCORE!!! I WILL PAY A $100 DEPOSIT...WHERE CAN I PAY THIS...OR WHAT ADDRESS DO I SEND IT TO...OR CAN I GIVE YOU MY CREDIT CARD NUMBER RIGHT NOW"???
