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Children's Place Complaint - Denied Credit with a 800 score
Complaint
Children's Place will never see my business again. All because a cashier talked me into a credit card to get 15% off. I was denied? Excuse me I have never been denied a card in the last 25 years, anywhere,,,pay my bills on time and get a letter that my credit in comparison to assets was close. At least I pay my bills, full balances every month. I have never ever been late on a payment anywhere in 25 years and usually pay the full balance each month on 3 cards. Because of this, Children's Place is tarnished in my mind and I will NEVER step foot in this store again yet alone spent the 100s I did yearly cash. I am totally po'd about this. Total idiots.
Comments:
Posted by lexophiliac on 2011-10-08:
Make sure that the credit card company denied your application for a legitimate reason. Although mistakes of this type aren't usually made by creditors, they can happen.
When you get rejected you are, by law, supposed to receive two different documents: the first document details the exact reason why you were turned down; the second document should provide you with the information of the credit bureau that provided the information to the issuer.
If anything appears to be inaccurate within those reports, then you should follow up as soon as possible. Get your credit report from that same credit bureau and look over what they have done and why they have done it. If you find an error, make sure to have the false information modified or removed altogether. Then send back the new application to that same creditor explaining where you found the error and how you changed it.
If you do not find anything that misrepresents your credit standing, you may also try to appeal the application; however, this process has a relatively low rate of success.
When you get rejected you are, by law, supposed to receive two different documents: the first document details the exact reason why you were turned down; the second document should provide you with the information of the credit bureau that provided the information to the issuer.
If anything appears to be inaccurate within those reports, then you should follow up as soon as possible. Get your credit report from that same credit bureau and look over what they have done and why they have done it. If you find an error, make sure to have the false information modified or removed altogether. Then send back the new application to that same creditor explaining where you found the error and how you changed it.
If you do not find anything that misrepresents your credit standing, you may also try to appeal the application; however, this process has a relatively low rate of success.
Posted by Justice-4-All on 2011-10-08:
lexophiliac> Sound advice.
Posted by spiderman2 on 2011-10-08:
Definately check your credit report. The cashier is just sending the information in and not vieweing your credit report. It sounds like there could be an inaccuracy on it.
Posted by Starlord on 2011-10-08:
You also must remember that extension of credit is a courtesy and not a constitutional right. they do not have to give you credit, regardless of your score. I never mistake something that is a gift as an entitlement.
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