09-23-2012 05:47 PM - edited 09-23-2012 05:52 PM
So applied for Citi AA Amex got declined due to bk on report.
I printed out updated report (20 pages) through creditexpert.com and I sent that with a letter stating I wanted a 1500.00 limit, no more.
The credit report I printed did not show my bk, don't ask me why, and in the bullited points on the last page of the report it stated what is raising your score "no bankruptcy etc" so I flagged that page so they would see it and I said "see here" on a post it
Do you think they will go with what I sent them and approve it or do another hard inquiry?
Part of me thinks they will do another hard inquiry
What do you think?
09-23-2012 05:54 PM
09-23-2012 05:55 PM
They will do another HP, since it is possible for someone to forge their credit report.
However, when faxing a credit report over, use the report that is directly from CRA, not third party like creditexpert.com.
09-23-2012 05:56 PM
Well I figure if they go with what I sent, I will be golden but if they do another hard pull I might not be so lucky
They do say in the denial letter they want the COMPLETE report sent...well I sent ALL 20 pages
Why would they ask for the complete thing if they are just gonna do another hard pull?
09-23-2012 05:57 PM - edited 09-23-2012 05:57 PM
So, if they do the hard pull and still see the BK there, I guess I won't get it
BUT do they ALWAYS do another hard pull?
Is there a chance I could get lucky?
09-23-2012 06:00 PM
They want you to fax over the report first because they want a valid reason to HP you again. Pulling a credit report cost them money.
They HP you during recon because they want to make sure you aren't sending in a forged credit report.
09-23-2012 06:03 PM
09-23-2012 06:05 PM
That is true
Do you think they accept a credit expert report as a valid report?
I did make it extremely clear by stapling the post-it sticking out the last page that shows the bullited point that there are no bk's listed, so it would be easy for them to see that and approve the app