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Dell Financial Services Complaint - Declined But I Have Excellent Credit - Credit For A New Laptop

Credit For A New Laptop - Complaint
Review by kareno on 2008-11-19
WARNERVILLE, NEW YORK -- By the advise of a friend, I wanted to order a Dell Laptop for my son for Christmas. I called Customer Service to process my order and they sent me to their financial dept to check my credit. They declined me. I have a Credit Score of 783 and did not understand why they were declining me. The Rep told me it may be because I have a PO box mailing address, a residence address, and a different ship to address for the laptop because it had to be signed for. I appealed it and they called me back at work the next day at a time when I was not available to take their call. I called them back from work and was told their computers were down and call them back in an hour. I went home early and called them back from my cell and they wouldn't process my order because I was not able to call them back from my work phone.

These people are ridiculous. I did order the laptop, but put it on my Mastercard who has been more than willing to give me credit for the last 15 years. I can buy a brand new car at sticker price but cannot purchase a 500.00 computer.
Comments:
Posted by woodsk1 on 2008-11-19:
Consider yourself lucky- There credit sucks!
Posted by Anonymous on 2008-11-19:
You probably have a better interest rate on your MasterCard than Dell would have given you for their personal financing. It sucks you had to go through the hassle. I am sure your son will be thrilled with his Christmas gift. Not telling you how to parent, but remember, if there will be internet access on the computer do not let him keep it in his room. Keep it out where you can monitor his usage, what sites he visits and who he "chats" with. Anyway, thats My3Cents. :)
Posted by Anonymous on 2008-11-19:
I agree with everyone else, you are better off using your MasterCard. If Dell Financial had come through the first billing would have been a shock. Nothing they would have told you about the financing would have been true.
Posted by lobo65 on 2008-11-19:
Based on the complaints against them on this site, I would stay far away from that company. Consider yourself fortunate they turned you down.
Posted by Slimjim on 2008-11-19:
Agree with the others. Dell credit is nothing to write home about. They did you a favor and just by the fiasco performance of theirs over this application, you can get the sense why you were lucky after all.

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