@Wingpin I assume it's not a missing income. I remember being rejected twice for a missing credit file. It can take some time until your SSN is in the system. So I waited until Credit Karma was able to pull my report (approx 3-4 weeks). I was instantly approved later on when I applied (online) for a secured credit card. If you can't wait I would go to a BofA or Capital One branch in person and explain your situation.