l****p 发帖数: 397 | 1 我去年9月份到美国入学,9月底拿到SSN,当时不知道一口气申请了多张学生信用卡,
有amex,citi, chase等,全部被拒,然后才知道太早了,所以等到12月份再申请了一
次citi和chase,还是被拒,再等3个月到今年3月底和4月初,又分别试了一次citi和
chase,还是被拒。最后一次chase给我的拒信上写着
not enough accounts opened long enough to establish a credit history
我就奇怪了,然后我上equifax上查我的report,填完资料后居然跟我说:
Now we just need to verify you are accessing your own file. The following
questions are based on information in your file, and only you should know
the answers to them.
Your credit file indicates you may have a mortgage loan, opened in or around
July 2010.
Who is the credit provider for this account?
What is the total monthly payment for the above-referenced account?
On which of the following streets have you lived?(给出的四个答案没有一个我
见过的)
In which of the following cities have you lived?(同上)
我2010年7月都还从来未到过美国,怎么会有mortgage loan?这是信用记录有误吗?还
是他们故意要考验?因为每个问题都有一个NONE OF THE ABOVE的选项
如果是信用记录有误,应该怎么办? |
h****z 发帖数: 1996 | 2 确实是用来验证你的身份的 不是有误
没见过的全回答none of above
我记得好像四五个题里答错一个也让过
around
【在 l****p 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 我去年9月份到美国入学,9月底拿到SSN,当时不知道一口气申请了多张学生信用卡, : 有amex,citi, chase等,全部被拒,然后才知道太早了,所以等到12月份再申请了一 : 次citi和chase,还是被拒,再等3个月到今年3月底和4月初,又分别试了一次citi和 : chase,还是被拒。最后一次chase给我的拒信上写着 : not enough accounts opened long enough to establish a credit history : 我就奇怪了,然后我上equifax上查我的report,填完资料后居然跟我说: : Now we just need to verify you are accessing your own file. The following : questions are based on information in your file, and only you should know : the answers to them. : Your credit file indicates you may have a mortgage loan, opened in or around
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l****p 发帖数: 397 | 3 但Your credit file indicates you may have a mortgage loan, opened in or
around July 2010是怎么回事?
另外,我申请SSN时有点小差错,就是我第一学期拿的是fellowship,所以那时我是不
能申请SSN的,只是系秘搞错了,给我开了证明信,等到我SSN申请下来后她才发现错了
。所以我申请SSN后的几个月里都没有工资和交税记录。不知这会不会有影响? |
f******e 发帖数: 53 | 4 随即问题,没有关系,当时我也碰到过。
信用报告里面没有工资。
【在 l****p 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 但Your credit file indicates you may have a mortgage loan, opened in or : around July 2010是怎么回事? : 另外,我申请SSN时有点小差错,就是我第一学期拿的是fellowship,所以那时我是不 : 能申请SSN的,只是系秘搞错了,给我开了证明信,等到我SSN申请下来后她才发现错了 : 。所以我申请SSN后的几个月里都没有工资和交税记录。不知这会不会有影响?
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l****p 发帖数: 397 | |
p****d 发帖数: 2183 | |