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Valued Contributor
Posts: 1,772
Registered: ‎10-28-2011
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Re: Free credit reports, approved or denied applications.


ccnewcc wrote:

How is an online version of a CR different than a printed one?

 

Why would they be any different?  Why would one be lacking info over the other?

 

I have a hard time believing that an online version of a CR is any different than a printed out version.  

 

 

annualcreditreport.com comes to mind.  .com = online, no??


I have had updated printed ones mailed to me.  There is no comparision to the one you get from experian.com

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Valued Contributor
Posts: 1,772
Registered: ‎10-28-2011
0

Re: Free credit reports, approved or denied applications.


mikka1 wrote:

<< (...)Second you cannot request your report for free online unless you were denied(...) >>

 

I would strongly doubt it. 

As long as I understand how the system works, Experian has no idea if you were denied or not right after a HP. As it might take some time for the tradeline to appear in your report (from 2 to roughly 7+ days for different CRAs and lenders, as I see), you have at least those 2-7 days to request your report online. The only thing CRA seems to check is if the lender you state as the one performed adverse action against you matches the lender recently pulled your file. 

 

Even after a tradeline "posts" to your file, I still doubt you can't request your report anymore. I personally ordered my report from EX and TU several times after being approved for different cards, but with conditions (like APR etc) slightly worse that those for "ideal" borrowers. AFAIK this is also technically considered "adverse action" after which you become eligible to get a free report. 

 

If my understanding of how the system works is right, then CRA has no chance to understand if you were denied or not. They have to believe you :-)


When you go to experian.com and access your reports it asks did you experience adverse action.  You enter the date you applied,  I have no idea whether or not the system would know if you were approved or denied.

 

Its not as simple as TU or EQ

NFCU plat 5k | NAVCHECK 5k | NFCU cashrewards 15k | BOFA 123 6k |
Chase Freedom 1.5k | Amazon 3K | Walmart 3K | Buckle 300 | AMEX BCE 2.5K | CHASE CSP 12K | CITI sears 6k | Kay 2k

On the prowl for Chase Sapphire Preferred! APPROVED 12K!
scores 7/14 647 622 630 (85%util)
scores 8/14 767 760 758 Boom! finally in the 700 club

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