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Getting Credit Score/Bureau After Approval

Frequent Contributor

Getting Credit Score/Bureau After Approval

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
Message 1 of 9
8 REPLIES
Valued Contributor

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 Smiley Happy


Quicksilver WMC $20k | JCPenney Platinum $10k | Drive for Five $800 | Freedom VS $5k | TD Cash VS $5k | CFU VS $14.8k | Blue Sky $13.7k | IT $28k | SavingStar $14.8k | BCE $11.3k | Macy's AMEX $7.2k | BuyPower WEMC $7.5k | CSR VI $13.3k | Diamond Preferred $6.5k FICOS: EX 775 EQ 764 TU 759 VantageScore 3.0: EX 759 EQ 757 TU 762
Message 2 of 9
Moderator Emeritus

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?
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Message 3 of 9
Valued Contributor

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 | AMEX BCE | | BOFA REWARDS | CITI TYP | Quicksilver | DISCOVER IT | Sallie Mae | CHASE CSP
--------$32,000-------------$30,000-----------$30,000-----------$30,000-----$13,000---------$18,200----------$15,000---------$6,500----

FICO - TU: 780 EX: 784 EQ: 781
Message 4 of 9
Valued Contributor

Re: Getting Credit Score/Bureau After Approval

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 | AMEX BCE | | BOFA REWARDS | CITI TYP | Quicksilver | DISCOVER IT | Sallie Mae | CHASE CSP
--------$32,000-------------$30,000-----------$30,000-----------$30,000-----$13,000---------$18,200----------$15,000---------$6,500----

FICO - TU: 780 EX: 784 EQ: 781
Message 5 of 9
Frequent Contributor

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
Message 6 of 9
Frequent Contributor

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
Message 7 of 9
Senior Contributor

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.

Message 8 of 9
Highlighted
Frequent Contributor

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
Message 9 of 9