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Valued Contributor
Rhaeny
Posts: 1,507
Registered: ‎07-24-2011

Are they supposed to give me my scores?

Is it required that CC lenders are supposed to send your scores whether or not you are approved?  I just thought about it and I have not received anything of the such on my last spree>


Major CC's - Barclay's ($5.5K) | Barclay's Sallie Mae MC ($5K) | DCU ($7.5K) | Discover IT ($1.4K) | Genisys Visa ($1.4K) | NFCU Visa ($22K) | Navcheck ($15K) | Chase Freedom ($5K) | SDFCU Visa ($8K) | Amex BCP ($9.5K) | Amex Delta ($10K) |Store CC's| -Amazon ($4K) | Catherines ($850) | JCP ($4K) | Macy's ($1.7K) | Avenue ($850) | Victoria's Secret ($1.4K) | Walmart ($4.1K) | Paypal SC ($1.3K) | HSN ($2.5) | Sears ($2.6K) | Sams Club ($4.1K) |Goal|: Age with grace to 750 across the board |Last app|: 3/3/2014
Valued Contributor
jsucool76
Posts: 2,770
Registered: ‎12-11-2011

Re: Are they supposed to give me my scores?

You get a score (the score they used, not necessarily a FICO) if you are denied, or not given the best terms they offee (IE: higher apr than the lowest they offer) otherwise a lender isnt required to give it to you.
Wallet: Capital One Cash Rewards 3500CL, Wells Fargo Cash Back College Visa: 900CL, Paypal Smart Connect: 1286CL, Walmart Discover: 2000CL, UPromise Mastercard: 1000CL, Chase Slate: 500CL, Discover IT: 2000CL, Citi Forward: 1500CL, Bank Of America Student Travel Rewards: 700CL
Valued Contributor
creditnocash
Posts: 2,185
Registered: ‎07-23-2012

Re: Are they supposed to give me my scores?

it would be on the approval or denial letters. if not given the best terms. as stated. 

 

for example for a amex charge card you wouldnt get one as you cannot get any better terms then that since its pif every month. 

 

revolvers though you should get it in the letter usually on the back in smal print but a bold score. 

Current: Discover Fico 689 7/14 Walmart Fico 682 7/14

Inquiries (24 Months): EQ 8 TU 5 EX 5 | Most Recent: 09/04/2013
2 Inquiries in The Last 12 Months


2014 Goals:
Lower Utility

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000
Contributor
firesoul453
Posts: 147
Registered: ‎08-24-2012

Re: Are they supposed to give me my scores?

I'm pretty sure it goes.

They have to give you your scores, but only if you denied, and only if that was a part of the reason why. (So if its something else like too many recent HPs, then no you don't get it)

My ultimate credit wish,
a JP Morgan Palladium card
Established Contributor
compassion101
Posts: 570
Registered: ‎06-06-2012

Re: Are they supposed to give me my scores?

I don't think they are required to send your scores when approved but many seem to be doing this anyway.

 

 


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