Credit Card Center Advertiser Disclosure†
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 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.
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.