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Member
clz123
Posts: 7
Registered: ‎05-09-2007
0

Denied but reporting

Just wondering if anyone has ever been denied a cc but have the account listed under Creditor (not just inquiry) and been asked on security questions for credit report that "select who you currently have account with" and answer is the bank that denied you.

 

Just thought it was weird being listed as a creditor and EX asking my about it, like it existed.

 

FYI - when I selected none of the above it had me try again.

Senior Contributor
BungalowMo
Posts: 4,237
Registered: ‎05-01-2008
0

Re: Denied but reporting

HUH???  What report is that?  Is it directly from their website??

 

That's a new one on me!  That was a security q? to access your file?



Starting Score: 07/2011 TU 732 - EQ 717 - EX 702
Current Score: 06/2014 TU 739 - EQ '08 709 - EX 721
Goal Score: 850

Bury me in the garden...last app 06.18.14

Senior Contributor
smallfry
Posts: 4,831
Registered: ‎04-20-2007
0

Re: Denied but reporting

Makes no sense. Is it listed on the other reports? I would be concerned about ID Theft. Try to get the report again the questions usually don't remain the same.
Senior Contributor
smallfry
Posts: 4,831
Registered: ‎04-20-2007
0

Re: Denied but reporting


BungalowMo wrote:

HUH???  What report is that?  Is it directly from their website??

 

That's a new one on me!  That was a security q? to access your file?


OP is looking to view Experian report from the denied credit page.

Member
clz123
Posts: 7
Registered: ‎05-09-2007
0

Re: Denied but reporting

I was on Experian's website - getting the "so-you-been-denied-credit-report" and to set up my account it asked to verify identify. The other questions changed and all the questions changed order.

 

And why would it be reporting as a creditor?

Senior Contributor
BungalowMo
Posts: 4,237
Registered: ‎05-01-2008
0

Re: Denied but reporting

Did you get to see your report?  They are reporting as a creditor???  If they are, I'd call them & ask what's up with that.  If they're going to report...tell them you want the card...with a CLI to boot! :smileyvery-happy:


Starting Score: 07/2011 TU 732 - EQ 717 - EX 702
Current Score: 06/2014 TU 739 - EQ '08 709 - EX 721
Goal Score: 850

Bury me in the garden...last app 06.18.14

Senior Contributor
creditwherecreditisdue
Posts: 4,923
Registered: ‎04-19-2009
0

Re: Denied but reporting

This sounds like either:

 

a) Identity theft, which would be very coincidental since you did app for credit at this place, or

 

b) The left hand and the right hand don't know what each other are doing and you were actually granted the account they said you were denied.

 

I would call the institution and carefully ask about this account. You don't want to put them off if it actually is a good account for you.


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