Credit Card Center Advertiser Disclosure†
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
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.