Apple Card Application Review Is Deceptive

While Apple lists conditions that may cause an application to be declined, they do not indicate where or how this information will be obtained. The Fair Credit Reporting Act indicates that any information used to deny an application must be shared. Apple and Goldman Sachs do not share this additional information. Is anyone else aware that Goldman Sachs uses four credit reporting agencies are used: 1. TransUnion 2. Experian 3. FactorTrust, which is reporting agency under the auspices of TransUnion, and 4. SageStream, another independent consumer reporting agency? They do not readily share this information, but it certainly important to note that beyond a TransUnion credit report other information is being used for their decision.