THE SALES REP THAT DIDN'T APPROVE YOU IS GIVING YOU A FALSE PICTURE OF YOUR CREDIT PROBLEMS

by James S.

January 2nd, 2025 5:57 p.m. ET

(COLORADO CREDIT FIX) – Whether you are applying for a store card at a checkout counter, applying for a car at an auto dealership or you are on the phone applying for a credit card and you are suddenly declined... we all respond with the same question. We want to know WHY.

However, at the very moment you ask the representative behind the desk or on the other end of the phone why you were denied credit, you are immediately opening the door to receiving a wide range of wrong answers and misleading information. You are now trying to hold the unfortunate soul you're speaking with accountable for explaining your misfortune, which is the very last thing they would prefer to be doing right now. Don't get me wrong, it's not because they don't want to or because they hate giving bad news. The fact is that they really don't want to have to explain 'why' simply because they CAN'T.

When the sales rep put your information into their screen and hit the 'Apply' button, a computer server thousands of miles away instantly decided that you did not meet the requirements set by that company at a corporate level. The reasoning behind this corporate decision is not available to you personally nor is it made known to the company's sales representatives... and rightly so, in terms of the best interest of that company. If the representative you were speaking with was able to give you the exact information of why you were declined, you would attempt to fix exactly that one issue, and then return to that representative over and over for more credit reanalysis and fix suggestions until you finally got approved. But companies do not want their sales people spending all of their time trying to manage the financial situations of every customer that gets declined. If you are turned down by their corporate computer system, companies want to send you packing. Next customer, please.

And of course this begs the question, if your declination information is not available to your sales representative, why do most of them seemingly give you a specific answer as to why you were declined? If they don't have access to this information, how can they give you an answer at all? The answer is simple. If you were to be declined at a car dealership today and then ask why you were declined, the sales person will quickly generate a reason to give you BECAUSE YOU ARE PUTTING THEM ON THE SPOT. At the very moment you ask, they are scrambling to hand you a reason that will hopefully satisfy your disappointed inquiry enough to get you to leave. And even IF they are lucky enough to have a summary of your credit report show up on their screen, they receive absolutely no information as to why you have been declined. They are operating blindly at this point. So they attempt to excuse the situation by telling you anything they can think of from off of the top of their head. Or, they just pick the first negative account they find on their screen and wrongly blame it for the reason you were declined. Or if they think they're clever, they'll ramble off a bunch technical-sounding credit jargon and hope you don't know enough to call them out on it. They have no business telling you what is wrong with your credit and yet they still try to do so. They don't care that they are being irresponsible to you and intentionally misleading you by doing this, they just want you to go away so they can talk to someone else who they can potentially qualify instead.

The truth about credit approval is simple. Bad FICO scores are bad. If you want to get approved for credit, you need to raise your FICO scores. Negative Account Deletion is the fastest way to raise your FICO scores so you can get start getting approved for credit again.