AboveAverage Posted December 2, 2007 Report Share Posted December 2, 2007 Just had a quick question about "Bill me laters". I know that it is subject to credit approval when you want something now, but they bill you at a different time. What type of score/criteria would one need to attempt it? I don't want to risk a pull if I can't get it. Thanks. Link to comment Share on other sites More sharing options...
merkurfan Posted December 2, 2007 Report Share Posted December 2, 2007 your score could be 850, but they will decline you if you have a FA.Not sure what you need, but I know a FA is a instant decline. Link to comment Share on other sites More sharing options...
jbusta Posted December 3, 2007 Report Share Posted December 3, 2007 Hey, I'm not sure about score, but I do know they pull Equifax. Make sure your Equifax Information is ACCURATE. If anything is not matching up, address, employment, etc...then you will get declined, no matter what your score is Link to comment Share on other sites More sharing options...
merkurfan Posted December 3, 2007 Report Share Posted December 3, 2007 Looks like you need mid 600's (I got this from CB's data base) lots of people turned down for not having the correct info. They only pull EQ so have a copy handy and use the info from that report to apply. Link to comment Share on other sites More sharing options...
LeslieR Posted December 3, 2007 Report Share Posted December 3, 2007 I can also tell you that if you have a fraud alert, they will just out and out decline you -- no "please call us to confirm your identity." I got a message that they could not process me online and expected a phone call or email to verify ID. I got a letter stating I was declined due to the fraud alert specifically. Link to comment Share on other sites More sharing options...
rmiller0410 Posted December 3, 2007 Report Share Posted December 3, 2007 I too got declined due to the fact that I have a fraud alert. I called the number on the letter and the guy said we will tell the credit dept to call you never did recieve a call. Link to comment Share on other sites More sharing options...
AboveAverage Posted December 3, 2007 Author Report Share Posted December 3, 2007 Thanks guys. I am glad I picked up the extra info. I don't have a FA on any of them...my stuff is jacked as it is...I could post my info right here and now and it won't do much good (currently, so I won't. ). I will avoid it then till I get 700. Link to comment Share on other sites More sharing options...
pointman Posted December 3, 2007 Report Share Posted December 3, 2007 There's been a good bit of radio talk about "BML" lately. Seems like they have some crooks working there that have been selling consumer info to identity thieves. It got my attention the other day cause my problems with fraud accounts being put on my TU files came soon after I applied for BML one night while buying some stuff online. Most of the victims reported the bad stuff coming from the northeastern states.Just a thought - might be worth Googling. Link to comment Share on other sites More sharing options...
AboveAverage Posted December 3, 2007 Author Report Share Posted December 3, 2007 There's been a good bit of radio talk about "BML" lately. Seems like they have some crooks working there that have been selling consumer info to identity thieves. It got my attention the other day cause my problems with fraud accounts being put on my TU files came soon after I applied for BML one night while buying some stuff online. Most of the victims reported the bad stuff coming from the northeastern states.Just a thought - might be worth Googling.Wow, good to know, Point. This Jersey boy will definitely tread carefully...in truth I was able to find a cheaper product than the item I saw for BML. However the info I gathered for BML is good to know. If anyone else has anything they want to add, I will definitely find it worthy of a read. Link to comment Share on other sites More sharing options...
daveyzzz Posted December 3, 2007 Report Share Posted December 3, 2007 I have been wondering why I have been getting approvals elsewhere but never from Bill Me Later. It's the Fraud Alert on my Equifax. I need to have that removed.Thanks ! Link to comment Share on other sites More sharing options...
Fizzle1979 Posted December 3, 2007 Report Share Posted December 3, 2007 BML can deny you credit based on having a FA on your EQ report? Is that legal? I do not have experience with FA's, but that doesn't seem right. Link to comment Share on other sites More sharing options...
AboveAverage Posted December 3, 2007 Author Report Share Posted December 3, 2007 BML can deny you credit based on having a FA on your EQ report? Is that legal? I do not have experience with FA's, but that doesn't seem right.They probably do it for compliance with the CYA Principle (Cover Your a$$). In this case though, they rather be safe than sorry and I don't necessarily disagree with that. Not really malicious or anything, they just want to make sure folks don't use them for identity theft. Link to comment Share on other sites More sharing options...
Fizzle1979 Posted December 3, 2007 Report Share Posted December 3, 2007 They probably do it for compliance with the CYA Principle (Cover Your a$$). In this case though, they rather be safe than sorry and I don't necessarily disagree with that. Not really malicious or anything, they just want to make sure folks don't use them for identity theft.I understand they might be doing it for their CYA fact. But if they are going to do it, then the consumer should be able to provie who they are and still get approved. From what I read, people are getting denied and then not given a chance to confirm their identity. Link to comment Share on other sites More sharing options...
AboveAverage Posted December 4, 2007 Author Report Share Posted December 4, 2007 I understand they might be doing it for their CYA fact. But if they are going to do it, then the consumer should be able to provie who they are and still get approved. From what I read, people are getting denied and then not given a chance to confirm their identity.Well, that's probably their business policy. Think about it, they probably don't have much support staff to bother calling folks back to verify them, etc. Maybe they can't afford the guys in India to do it for them like Macy's does (argh.....I hate companies who do that by the way..but don't get me started on that. )I wouldn't stress too much over the FA stuff though. Other pressing things to worry about. Link to comment Share on other sites More sharing options...
Fizzle1979 Posted December 4, 2007 Report Share Posted December 4, 2007 Well, that's probably their business policy. Think about it, they probably don't have much support staff to bother calling folks back to verify them, etc. Maybe they can't afford the guys in India to do it for them like Macy's does (argh.....I hate companies who do that by the way..but don't get me started on that. )I wouldn't stress too much over the FA stuff though. Other pressing things to worry about.We all know I have no life by credit repair. If I applied and was denied because of a FA, I'd be on the phone trying to get the CEO of BML. Link to comment Share on other sites More sharing options...
Freak Posted December 4, 2007 Report Share Posted December 4, 2007 IMO, I would think that if one had to wait for verification, it would defeat the purpose of the Bill Me Later feature, and cause the vendor to loose a sale possibly. I've never used it, but it looks like it is all about convenience - for all those if only I had my credit card handy moments. Plus, do you lose any protections - by not using a CC - if there is a problem with the purchase?I do agree with Fizzle though, it would be aggravating, but then again I'm not worried about the formatting of my address on my CR. Link to comment Share on other sites More sharing options...
Fizzle1979 Posted December 4, 2007 Report Share Posted December 4, 2007 I do agree with Fizzle though, it would be aggravating, but then again I'm not worried about the formatting of my address on my CR. I still stick by the fact that it is inaccurate information. It's the only fish I have left to fry! What else can I do? Link to comment Share on other sites More sharing options...
AboveAverage Posted December 4, 2007 Author Report Share Posted December 4, 2007 I still stick by the fact that it is inaccurate information. It's the only fish I have left to fry! What else can I do? Lord knows I would never mess with someone with the potential to conceal-n-carry...(which is why I'd move to the Lone Star state in my elder years...)Give BML Hell, Fizz. Just remember, I wasn't defending them, just attempting to understand their rationale. Link to comment Share on other sites More sharing options...
Fizzle1979 Posted December 4, 2007 Report Share Posted December 4, 2007 Lord knows I would never mess with someone with the potential to conceal-n-carry...(which is why I'd move to the Lone Star state in my elder years...)Give BML Hell, Fizz. Just remember, I wasn't defending them, just attempting to understand their rationale.Completely understood. I disagree with the system not you. It's not my battle to fight. And I don't even have a BML account. I just personally don't think it's right for them to do that and I think other consumer's who use them, should not put up with it. Link to comment Share on other sites More sharing options...
Freak Posted December 4, 2007 Report Share Posted December 4, 2007 Completely understood. I disagree with the system not you. It's not my battle to fight. And I don't even have a BML account. I just personally don't think it's right for them to do that and I think other consumer's who use them, should not put up with it.I too want to be in your position soon. Link to comment Share on other sites More sharing options...
Fizzle1979 Posted December 4, 2007 Report Share Posted December 4, 2007 I too want to be in your position soon.Are you in the road. I can see you in the distance. Keep up the hard work, huge payoff in the end. Link to comment Share on other sites More sharing options...
daveyzzz Posted December 4, 2007 Report Share Posted December 4, 2007 The FA held up my JB Robinson (part of the Sterling Trifecta) also. I got an ominous REFUSAL TO GRANT CREDIT letter, but when I called them up they couldn't have been nicer. I am assuming I will get the same $3K I got on Kay and Jared. (Which is really $3K total but don't tell Equifax). So if you get a turndown from any of the Sterling companies - it pays to call them back. Link to comment Share on other sites More sharing options...
isislc Posted December 6, 2007 Report Share Posted December 6, 2007 Ok, when I got BML I had a Fico score of about 525 with lots of baddies on my report. They also DON'T report to any of the CRAs. Link to comment Share on other sites More sharing options...
merkurfan Posted December 6, 2007 Report Share Posted December 6, 2007 I want it! There are some items I could buy with BML that I don't want to because it'll kill my util.. if it don't report it'd be what i use to buy them thats for darn sure..HURRY UP CSC! REMOVE THAT DARN FA! Link to comment Share on other sites More sharing options...
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