12-03-2011 05:48 AM
Who is GE Capital Retail Bank (GECRB)? I just read that's who this card is backed by. Is this "old" GEMB or completely separate? Any former names?
Sorry about the 3 HPs, geez. That's a Cap One practice!
This is GEMB. They changed their name 10/1 of this year.
12-03-2011 06:07 AM
did you call to recon?
I have once so far but going to wait for the letter before I do it again... but I find GE impossible to get to underwriting or finding someone who can over ride a computer decision.
If anyone has a good number that they had success with I'm open arms!
Called a couple weeks ago, asked for underwriting (existing card, but should be the same people). Guy had my credit report in front of him and asked me a few questions and gave me my CLI.
12-03-2011 06:28 AM
Wow! 3 HP! I'd definitely try for a recon if at all possible. And if they won't approve you, maybe you can get to someone who will remove 1 or 2 of the hits. You can tell them that you authorized *one* inquiry and would not have applied if you had known that they would do all 3.
From everything I've read here (and my own limited experience), they usually pull TU; though I think recently someone did post here that they hit EQ instead. I wonder if they kept hitting your CR to try and get you approved. In any case, I would try a recon and/or getting 1 or 2 removed. You didn't authorize 3 hits, after all. And it can't hurt to try.
The OP did authorize them to pull all three when they apped. They might remove one or two as a good will gesture but I wouldn't count on it.
OP: Sorry to hear, that really sucks. I would recon recon and recon some more. What does your scores and reports look like? Ever had a GEMB account before?
12-03-2011 07:25 AM - edited 12-03-2011 04:11 PM
12-03-2011 09:07 AM
I'm not aware that a bank has to tell you theyre going to pull all 3. If you were new to the credit world. You wouldnt know Cap1 pulls 3 on anything.
12-03-2011 09:08 AM
I'm wondering now if thats why they declined me because they couldnt access EX/EQ?? hmm
12-03-2011 01:45 PM
I called that number and it says corporate? Did you get transferred from there to right department?
I will have to wait until Monday anyway for them to be open most likely... but I am done with this especially now seeing all 3 pulled!!!
To other poster, they do not have to tell you what report they are pulling and how many of them and usually even when you ask the reps have no idea... I actually get told 95% of the time if I did call and ask that we pull all 3 and actually very few banks pull multiple reports on a regular basis.
1. Amex until recently was always EX but in the last year or so we have seen a little TU action if you were on the border of approval
2. Cap1, we always knew was all 3
3. Navy is either EQ or TU, thought I figured out which loan apps pulled which but that was thrown out window when they pulled EQ for both CC and Auto.
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