My dh applied and was approved for a 25k Elite Rewards card. They pulled TU which is his best report. Not sure of score, but it was good enough credit to get that high of an initial cl. They said it'd be here in 7-10 days yada yada. I got mine (with not as good a cl sniff) but, after not getting his for a few days, we get a letter today saying that he showed a bk on EXP and they wouldn't be able to approve him. What?! Ok, besides the fact, that this is correct, and TU in their grace had deleted it, he has a well established credit history. It's over 7 years old but obviously still on exp for 10 yrs. And wow....WHEN did they pull exp? AFTER the approval? Was their a second tier approval dept. they didn't mention? Is there ANY chance of getting anything done at this point? Has anyone had this happen? Any luck on pfb or am I dreaming? Is denial lying? ::Sigh::
Hello Amy, I am sorry to hear about your dh letter of not being approve... anyways I got a apple loc in march of this year just like a month ago well anyways they close it yesterday cause they found an account that I had with them that is 12 years ago that was closed by them not paying as agreed anyways they told me that my income is not sufficient to have the apple loc is only $2500 at 17.99% but oh well...... and yes they pull again yesterday 2 reports on me exp and tu... and when I apply in March they pull 3 of them 2 from exp and one from tu so my reports are ding up with them on there... Congrats to you and good luck with your dh.... Thx, Kev
Wow, that wasn't encouraging. We have great income and his TU was fab that's why he got such a good CL and terms. I am bummed...... I am thinking......THIS IS A MISTAKE! It doesn't matter because the card will come in the mail as promised!! Think positive!
Ok...does anyone know how long to wait for mbna to purge their records of our company's name when dh applied for biz credit? I thought since they like me I'd do it after a little while. Let some of my inq's age or better yet fall off.
