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Free Credit Score When You Don't Get Lowest APR

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Anonymous
Not applicable

Free Credit Score When You Don't Get Lowest APR

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 Smiley Sad

Message 1 of 28
27 REPLIES 27
Anonymous
Not applicable

Re: Free Credit Score When You Don't Get Lowest APR

Yes you're mailed your credit score with the card.

Message 2 of 28
surehit
Regular Contributor

Re: Free Credit Score When You Don't Get Lowest APR

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. 

AMEX Platinum Gold - NPSL | Citi ThankYou Premiere 20k | NASA Platinum Rewards - 20k | Alaska Airlines Visa Signature - 5k x 5 (Not sure why I needed 5.... but still....) | Amex Blue Cash Everyday - 21K | Chase Sapphire Preferred - 15K | Ritz Carlton Card - 10k | Chase Freedom Visa Signature - 5k | BECU Visa - 3k |Barclaycard Rewards - 2k | Chase Amazon Rewards - 1k | Discover IT Student - 500 | Chase Slate - 500 | Walmart Store Card - 700 | BBY CitiBank - 1500 | BBY CitiBank -1000

Eq (MyFico) 767 | TU (FICO) 759 | Ex (FAKO): 749
Message 3 of 28
lenz99
New Contributor

Re: Free Credit Score When You Don't Get Lowest APR

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.

Message 4 of 28
14Fiesta
Established Contributor

Re: Free Credit Score When You Don't Get Lowest APR


@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.






EX FICO (AMEX): 728 (4/29/17) | TU FICO (Discover): 737 (4/7/17) | EQ FICO (Citi): 746 (3/28/17)
Message 5 of 28
Anonymous
Not applicable

Re: Free Credit Score When You Don't Get Lowest APR


@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.

Message 6 of 28
Rebuilding69
Established Contributor

Re: Free Credit Score When You Don't Get Lowest APR

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.




Message 7 of 28
Anonymous
Not applicable

Re: Free Credit Score When You Don't Get Lowest 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?

Message 8 of 28
myjourney
Super Contributor

Re: Free Credit Score When You Don't Get Lowest APR

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 

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 9 of 28
Anonymous
Not applicable

Re: Free Credit Score When You Don't Get Lowest APR


@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% Smiley Tongue

Message 10 of 28
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