Denied because no Credit history is reported??

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g35x955
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Denied because no Credit history is reported??

Postby g35x955 » Sun Mar 13, 2016 5:18 pm

Hi guys, I just applied for the new JetBlue Barclaycard and got denied. Discover gave me a fico score of 750. CK gave me 748 and 745 last week. Exactly one year of credit. No missed payments, always payed in full, always under 30% utilization. I could understand getting denied with the short amount of time Ive had credit but I felt a had a decent chance at getting approved BUT when I called the Recon number, the lady I spoke with told me no credit history was getting reported. WHAT?? How is it possible that my credit history isn't getting reported? This is obviously the reason I got denied and its making me really upset to be honest and idk what to do. Any advice? Should I call them again? I feel if they actually see my credit report and scores, they would give me a shot. Also, I just logged on to credit karma and it said no scores are being reported right now either.
Discover IT $3000 (3/15)


samhradh
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Re: Denied because no Credit history is reported??

Postby samhradh » Sun Mar 13, 2016 7:53 pm

First step is to request a credit report from one of the three agencies. Use annualcreditreport.com. Your FICO score is different from actually seeing what's on your report.
Citi Forward ($10.1K), AmEx Blue Cash Everyday ($30K), Chase Freedom ($12.4K), Discover it ($5.5K), Barclaycard Arrival ($12.5K), L.L. Bean Visa ($5K). FICO 806 (TU), 812 (EQ), 806 (EX).

takeshi
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Re: Denied because no Credit history is reported??

Postby takeshi » Mon Mar 14, 2016 8:48 am

g35x955 wrote:Discover gave me a fico score of 750. CK gave me 748 and 745 last week.

Always consider the specific scoring model and the relevance of the model/CRA combo to a given creditor product. Is a TU FICO 8, TU VantageSCore 3.0 or EQ VantageScore 3.0 used for the Jetblue card? I don't see any entries for the Barclaycard Jetblue in the Credit Pulls Database but it looks like Barclaycard tends to pull TU and probably uses a FICO 8. Those CK scores are not relevant.

g35x955 wrote:Exactly one year of credit. No missed payments, always payed in full, always under 30% utilization. I could understand getting denied with the short amount of time Ive had credit but I felt a had a decent chance at getting approved BUT when I called the Recon number, the lady I spoke with told me no credit history was getting reported. WHAT?? How is it possible that my credit history isn't getting reported?

No idea as we don't have access to your reports, credit accounts, etc. You have to do your research, determine what's going on and then correct the matter. You shouldn't be just relying on numbers. Pull your reports and verify. Make sure you're routinely reviewing your reports. At the very least make use of the Annual Credit Report site. You should be aware of what's in your reports (and what is not in this case).

g35x955 wrote:I feel if they actually see my credit report and scores

Don't assume that they did not. They definitely pulled your reports to make a decision. They could not have determined that history wasn't being reported without reviewing a report. Whether or not your reports are correct is an entirely separate matter.



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