Credit Score reporting

bs6054 · ‎11-13-2012

Going through some of my credit card stuff today. I know that if you are denied the (non)-lender has to give information about what led to the denial, including CRA and the negative factors and maybe a score. Is this optional if you are approved? With my card, Barclays listed my credit score from TU along with major reasons impacting score. I can't find any such thing from Fidelity and PenFed. Any idea why one lender will do this and others not?

Thanks

SnackTrader · ‎11-13-2012

Sometimes it is also due to not getting the "best" terms of the card. So if you don't get, for example, a 17.99% APR, and instead get a 22.99% APR, they give you your credit score.

In My Wallet: Amex BCP (12/12) $50,000, Chase Freedom (12/12) $16,500, Cap1 Quicksilver (6/12) $14,000, Barclaycard Rewards (5/13) $10,500, Citi Prestige (4/16) $30,000

Last App: June 27, 2015

beb86 · ‎11-13-2012

@SnackTrader wrote:
Sometimes it is also due to not getting the "best" terms of the card. So if you don't get, for example, a 17.99% APR, and instead get a 22.99% APR, they give you your credit score.

+1 the can still give you a score if approved. If you are denied or not approved at the best term like the post above states the have to issue the factors and a "credit score" that was used in their decision.....9/10 its not a FICO

bs6054 · ‎11-13-2012

@SnackTrader wrote:
Sometimes it is also due to not getting the "best" terms of the card. So if you don't get, for example, a 17.99% APR, and instead get a 22.99% APR, they give you your credit score.

Oh OK, might well be something like that. (It was 0% for 15 months, and then 17.99%) but a very small CL. Will probably close it as soon as my Cash Plus card arrives.