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Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011
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Re: BLEEP.... GE Amazon Store Card IINQ!!


clocktick wrote:

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.




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Frequent Contributor
jausanka
Posts: 483
Registered: ‎05-06-2009
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Re: BLEEP.... GE Amazon Store Card IINQ!!


Creditaddict wrote:

john398 wrote:

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!


1-866-634-8379

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.

 

Good luck!

Valued Member
wamcon
Posts: 43
Registered: ‎06-18-2011
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Re: BLEEP.... GE Amazon Store Card IINQ!!

They pulled all three then I apped in Sept.


Starting Score: 552 Nov 2010
Current Score: 681 Mar 20113
Goal Score: 720


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Valued Contributor
boomhower
Posts: 1,863
Registered: ‎09-20-2011
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Re: BLEEP.... GE Amazon Store Card IINQ!!


bichonmom wrote:

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?

Senior Contributor
bichonmom
Posts: 3,318
Registered: ‎05-05-2011
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Re: BLEEP.... GE Amazon Store Card IINQ!!

[ Edited ]

:smileyhappy:

~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*
EQ FICO 750 | TU FICO 761 (Walmart) | EX FAKO 767 | Goal: 800+

Edits, funky spacing and spelling due to my iPad not getting along with the forum editor!

Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011
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Re: BLEEP.... GE Amazon Store Card IINQ!!

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.




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011
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Re: BLEEP.... GE Amazon Store Card IINQ!!

I'm wondering now if thats why they declined me because they couldnt access EX/EQ?? hmm




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Epic Contributor
Creditaddict
Posts: 20,033
Registered: ‎10-23-2007
0

Re: BLEEP.... GE Amazon Store Card IINQ!!

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.

Fico Scores: EQ 673 DCU, TU 678 Wally, EX 669 Chase(08-31-14)
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