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I thought I remembered reading somewhere a while ago that if you get approved for a credit card, the issuer is required to give you the credit score they based your approval off of if you weren't given the lowest APR in the card's range. I can't find anything on this now; can anyone confirm/deny? Or point me towards a thread I can read; maybe my search skills are just poor
Yes you're mailed your credit score with the card.
They have to send you the disclosure giving the reasons. The disclosure will also include which bureau they got the data from. You can then request a report from that bureau for free, but it won't include your score.
I believe you'll only get the score in case of denial, approved without getting the lowest APR tier wouldn't get you the score.
@lenz99 wrote:I believe you'll only get the score in case of denial, approved without getting the lowest APR tier wouldn't get you the score.
I have never received the lowest rate on my approvals, and I have always been sent a notice including my score and CB pulled and reasons as to why they couldn't approve me for the best rate.
@14Fiesta wrote:
@lenz99 wrote:I believe you'll only get the score in case of denial, approved without getting the lowest APR tier wouldn't get you the score.
I have never received the lowest rate on my approvals, and I have always been sent a notice including my score and CB pulled and reasons as to why they couldn't approve me for the best rate.
What is your AAoA? I think that may affect APR, and not simply the score.
NFCU gave me my score & bureau in a letter couple days ago after they raised my CLOC limit to the max but not with the best APR.
Hm, I didn't get any score or report from Citi even though my APR was on the high end of their spectrum...is this something I can call to ask for?
There are 2 times you won't receive a score
1) You/'re given the lowest APR available for that product
2) The card you're approved for only has one APR that everyone who applies gets
Amex charge cards also come w/o scores
@myjourney wrote:There are 2 times you won't receive a score
1) You/'re given the lowest APR available for that product
2) The card you're approved for only has one APR that everyone who applies gets
Amex charge cards also come w/o scores
What about online pre-approvals? This was Citi DC, so not a set APR and I definitely did not get 12.99%