Reply
Frequent Contributor
Shock_
Posts: 332
Registered: ‎08-07-2013
0

Getting Credit Score/Bureau After Approval

[ Edited ]

Hey people,

 

I wasnt sure where to put this but I need a clear answer. If anyone can help please do.

 

So i apped for an AMEX and Citi Diamond Preferred and was instantly approved for both.

 

Am I supposed to get a letter saying what bureau they pulled and what my credit score was? Because I didn't get anything for both of them.

 

I know you get it in a letter if you are denied, but I thought if you are approved too?

 

Any responses are appreciated, thanks!

Capital One Quicksilver MC $3000 6/2011 | Chase Amazon Visa $1400 8/2012 | Citi Diamond Preferred MC $4200 7/2013 | AMEX Green NPSL 8/2013 | Chase Freedom $1000 Visa 8/2013 | AMEX BCE $7000 2/2014 ==> 2/2013
Valued Contributor
daybreakgonesXe
Posts: 1,864
Registered: ‎11-17-2012
0

Re: Getting Credit Score/Bureau After Approval


Shock_ wrote:

Hey people,

 

I wasnt sure where to put this but I need a clear answer. If anyone can help please do.

 

So i apped for an AMEX ns Citi Diamond Preferred and was instantly approved for both.

 

Am I supposed to get a letter saying what bureau they pulled and what my credit score was? Because I didn't get anything for both of them.

 

I know you get it in a letter if you are denied, but I thought if you are approved too?

 

Any responses are appreciated, thanks!


You will only get a letter informing you of that information IF you did not receive the best terms; since you were actually approved for this card, that means you'll receive the bureau pulled, reasons for not receiving the best rate, and score, if they offered you a higher interest rate.

 

Some lenders are nice and will send you the letter anyways...but majority of the time, if they do not have to disclose it, they won't!

 

All the best, and congrats on your approvals :smileyhappy:

Capital One Quicksilver World Mastercard $10k | JCPenney Platinum $7.5k | Shell Drive for Five $800 | Chase Freedom Visa Signature $9.8k | TD Bank Easy Rewards Visa Signature $5k | Chase Sapphire Visa Signature $10k | American Express Blue Sky $25k | Discover IT $9.5k | SavingStar American Express $14.8k

FICOS: EX 744 EQ 718 TU 733 Credit Karma (TU) 785 Transrisk 809/990 Credit Sesame (EX) 766 Credit.com (EX) 764 VantageScore 3.0 719 Quizzle (EQ) 721
Moderator Emeritus
webhopper
Posts: 7,225
Registered: ‎09-16-2011
0

Re: Getting Credit Score/Bureau After Approval

If you are approved with the best terms, then you won't get a letter

Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



Take the myFICO Fitness Challenge
Valued Contributor
Luscher
Posts: 1,246
Registered: ‎03-24-2013
0

Re: Getting Credit Score/Bureau After Approval

amex will give you a paper. i almost through it out cause i couldnt find the score. but it should be thepage that says american express centurion bank at the top. flip it over and your score and bureau are at the top
CHASE FREEDOM | CHASE RITZ | AMEX BCE | | BOFA REWARDS | CITI TYP | DISCOVER IT | CHASE CSP
--------$32,000-------------$25,000---------$22,700-----------$18,000------------$11,000--------$8,750----------$5,000----

FICO - TU: 780 EX: 785 EQ: 760
Valued Contributor
Luscher
Posts: 1,246
Registered: ‎03-24-2013
0

Re: Getting Credit Score/Bureau After Approval

[ Edited ]

I was given an experian score of 783 and i got a paper in my card packet. this was the last card in my spree. i didnt get one in my other

CHASE FREEDOM | CHASE RITZ | AMEX BCE | | BOFA REWARDS | CITI TYP | DISCOVER IT | CHASE CSP
--------$32,000-------------$25,000---------$22,700-----------$18,000------------$11,000--------$8,750----------$5,000----

FICO - TU: 780 EX: 785 EQ: 760
Frequent Contributor
Shock_
Posts: 332
Registered: ‎08-07-2013
0

Re: Getting Credit Score/Bureau After Approval

Webhopper,

 

is it the one saying Cardmember Agreement? because I flipped it over and nothing!

Capital One Quicksilver MC $3000 6/2011 | Chase Amazon Visa $1400 8/2012 | Citi Diamond Preferred MC $4200 7/2013 | AMEX Green NPSL 8/2013 | Chase Freedom $1000 Visa 8/2013 | AMEX BCE $7000 2/2014 ==> 2/2013
Frequent Contributor
Shock_
Posts: 332
Registered: ‎08-07-2013
0

Re: Getting Credit Score/Bureau After Approval

I also forgot to mention it's AMEX green

Capital One Quicksilver MC $3000 6/2011 | Chase Amazon Visa $1400 8/2012 | Citi Diamond Preferred MC $4200 7/2013 | AMEX Green NPSL 8/2013 | Chase Freedom $1000 Visa 8/2013 | AMEX BCE $7000 2/2014 ==> 2/2013
Valued Contributor
FinStar
Posts: 6,817
Registered: ‎10-21-2012
0

Re: Getting Credit Score/Bureau After Approval


Shock_ wrote:

Webhopper,

 

is it the one saying Cardmember Agreement? because I flipped it over and nothing!


Since you got approved for the AMEX Green Charge Card there will not be any score information AFAIK.  Score disclosure is not part of your Cardmember Agreement.  This would apply mainly to AMEX revolvers in the event you did not receive the best terms when approved or if not approved for any AMEX product(s) altogether.

Frequent Contributor
Shock_
Posts: 332
Registered: ‎08-07-2013
0

Re: Getting Credit Score/Bureau After Approval

Thank you for your reply.

 

My question has been answered!

 

And answers for anyone else who does a google search for the same thing! Thanks again myfico!

Capital One Quicksilver MC $3000 6/2011 | Chase Amazon Visa $1400 8/2012 | Citi Diamond Preferred MC $4200 7/2013 | AMEX Green NPSL 8/2013 | Chase Freedom $1000 Visa 8/2013 | AMEX BCE $7000 2/2014 ==> 2/2013

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+
}