Many of you may remember when Capitol One sent me a "guaranteed approval Platinum" invitation. I had been refused a Cap One card 2 months prior, even after talking with Mr. Cooke. Well, I was excited by the invitation and sent it in. Guess what??? Denied. They stated on the invitation that I was guaranteed to receive the card if my scores haven't changed since they checked 2 months prior. Well, they did....they went up!!! So now, I have 2 inquiries on each report in a two month period from Cap One. I'm so angry I could scream!! I swear these guys are just teasing me!!!
.....and while I'm really steaming, NONE of my goodwill letters have worked. None!! Mom won't even write me back!!!
I STILL THINK THEY MUST GET PAID FROM THE CRA'S PER INQUIRY!!! All these years we had it BACKWARDS!!!
PFB...at the VERY LEAST ask for the last 3 inquires to be removed...if your REALLY LUCKY they may remove ALL 6...
I believe you, George!! When I talked to Mr. Cooke last time when I was denied a freaking secured Visa, he said that I should try back in 6 months. Well, they are the ones that contacted me. I thought maybe they saw that Orchard had thrown me the proverbial bone and wanted to get my business. But Noooooooooooooooooo...... They really wanted to rub my nose in the subprimal ooze from whence I was spawned. Perhaps I should fake my death.... ~the very disallusioned Toothman!
Toothman, What were the denial reasons if you don't mind sharing. If you still have the terms and conditions part that came with the original application, can you post what the requirments they look for are?
Hey, Mindcrime...how are you doing, buddy? Well, the reasons for denial were: Based on the Primary Applicant's credit report from one or more of the following agencies, there is an excessive number of derogatory accounts reported 12 - 24 months ago Based on the Primary Applican'ts credit report from Trans Union, there is a serious delinquency, public record, or collection filed Based on the Primary Applicant's credit report from Trans Union, there is a presence of delinquency Based on the Primary Applicant's credit report from Trans Union, there are frequent delinquencies. Well, there you have it. Nothing new since the last inquiry they made and I have now gone one year without a delinquency of any kind. Maybe I should call those damn monkeys!! At least they can boogie!!
Toothman, I'm doing well, thank you for asking. Hope all is well with you just the same. Those 4 denial reasons are all basically the same thing (not like they denied you because of excessive inq's or too high bal. to limit ratio). I'm guessing from what you said above is all of your collection and/or charge-off accounts are paid off ($0 bal.) but are still reporting on your reports. BTW, have you attempted valdiation on any of these derogs? Now I understand that if a credit card company sends you a pre-approval or guaranteed approval offer in the mail, it must be a "solid" offer of extending credit, however there still can be "strings" attached to the offer. But, I don't believe those "strings" would come into play in your situation. Now if C1 looked at your report just a few months back, and your report/scores have only improved since then, I wonder if you would have them on some type of violation and at least get the satisfaction of getting this last inquiry deleted from your report(s).
Cool MP$40.....did you see the new variation to the commercial: Toothman(walking down the street carrying his Experian report): "Wait!!! I've got ANOTHER Cap One inquiry!!! Who is running that company anyway?????" Cue Monkeys!!
Yeah...the one that says something like, Who's getting rich off of your interest???? And they got the monkeys in the office jumpin around and stuff. I was rollin!
