I was referred to a HVAC contractor by Home Depot. After deciding on this contractor who mentioned 12 month no interest on HD card, I decided to apply. I called and emailed to inquire about 12 month 0 interest. Was told via phone only 6 month existed! I noticed online that 12 mon was available on HVAC installation. I applied online and received 1200 (not enough for 12K job. I called number on temporary card to request increase. I was asked several question about credit info (i.E. Car loan company, etc.) passed series of questions, but was then transferred to someone else who asked me questions about my nieces residence, ex-husband's sisters birth month, which I explained I had no knowledge. Asked about my twin sister's rental property and several other addresses. Nevertheless was denied credit because I couldn't be "verified & high fraud rate online." Explained questions had no relevance to me & credit report. Ashley, Judgmental Coach & Teresa, Credit Underwriter, (Tenn) "can't change questions." Went into store, store personnel couldn't believe my story and called credit division. Stacy & Joe (Florida call ctr), "we use public database that is in my report" I check credit report monthly, since bank institution had laptop stolen several years ago... All info correct! How would I know my ex-husband's sister's birth month! My twin sister's rental property locations or her daughter's city of residence? WHY was I denied credit with a 700 credit score. If home depot doesn't want to give credit, say so, but don't put up BOGUS questions that have nothing to do with me!!
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