I was denied by ALL creditors during my little ... post settlement application party. ALL of them pulled TU even though I now have a NJ address. Here is the list: Radioshack (how embarrasing) Fleet (pulled experian and TU) Eddie Bauer (TU for FCNB) Bank of America (ugh 3 for 3 denials) AMEX (pulled equifax which is clean but said balances were screwy and recent inquiries in 6 mos) I quess my new address didnt help much. But, this girl is working on cleaning up that TU report now. The tax lien is officially gone now so I will chill on applications for a while until TU is NICE like Ex and EQ. That is just my little update. Thanks for listening.
So sorry roni, it's a gloom day for me to "DENIED" by amex. Drats I was so in hope but there is always another day( ya know to work on deletions) then repapply. LOL. So roni how is the new home? Beautifully decorated I suppose. mindy
dont feel bad i got an ass of denials too isn't it about time for a new citi card to combine roni? i hear citi is having a sale on gold AA cards right now.
It is getting there mindylou. I bought those nice shades and the installer has taken forever to come out. I am exposed to the world....lol I found the perfect couch for the living room....cranberry of course......custom-made 7 weeks...oh the waiting......
Sorry Roni.....!!!! But... You still sound happy to be in your new home ;-) The couch sounds NICE...!!!
Hey Roni, here's the Citi number 1-301-733-5501 . Sorry about your denials, but get back on the wagon and wait a bit, do you hear me!!!!!!
All the ones from TU say: "YOU MUST BE KIDDING". FCNB: no reason just said call TU Bof A and Radioshack said: *too many credit inquiries, *number of accounts opened in last 12 months, *outstanding balances on accounts and *unacceptable dept store high credit amounts. all true. the tax lien is off so the credit isnt bad but like i said before my balances are screwy. oh well. better luck next time and I am working on these items. I dont want radioshack anyway.
I always get "TOO MANY OPEN ACCOUNTS WITH BALANCES" DUHHHHHHHHHHHH It is open. I'm going to use it. It will have a balance. I will pay it off. HOW IS CREDIT SUPPOSED TO WORK??? OPEN IT, DON'T USE IT??? ONLY HAVE 2 OR 3 ACCOUNTS???
Hey Roni, You should open a Po Box in FL and place a mail forward to NJ... JeJe!. All creditors pulls Equifax here. I have like 20 inquires in the last 6 months all on Equifax.
FCNB: no reason just said call TU ------------------------------------------------------ They HAVE to give a reason or they violated the law.
Also they always say the CRA did NOT deny you...the CREDIT CARD COMPANY DENIED YOU with the report made by the CRA.
Roni, cheer up a little. And I really was joking in the chat room. I am what the call a class clown. leo
I am waiting on Target and Radioshack..they both gave me the "we'll get back with ya" crap...Haven't heard from Radioshack in about 1 and a half weeks. I hear that's a good sign,but that is not always true. And don't feel bad AMEX denied my college student brother because he attends a two-year college. Now that is foul. "Tar J" (target) I just did this weekend. I tried to trick it using one of my affinity program credit cards issued thru BankOne and it did not like it. By the way,they have a secured card for $100 bucks, BAnkOne that is.
Hey roni, 1. Could you elaborate on this one? I admit that's the first I've heard of it. How "unacceptable" is it. 2. Suppose you could get a Fleet. Why would you want an inferior card? Saar
Sorry Saar, I can elaborate b/c they didnt elaborate. It just says as the forth reason for denial ..."unacceptable department store high credit amounts". it didnt say balances. I owe very little on my cards. Maybe it means that I have too many 0 balances on my retail cards. What do you think?
