09-11-2011 06:56 PM
09-11-2011 06:59 PM
Question.....before getting the barclays card I had already been granted 2 additional credit cards and an auto loan, none of which have appeared on my credit reports. Will barclays view this negatively once they report even though I had applied for these before their card or do they only care about inquiries after their credit has been issued?
wouldn't sweat it but what Barclays didn't see when they pulled for the app will be 'new' to them next time they review your report, although inqs can give them a clue that there may be new account(s) appearing soon, depending on what report they land on. In any case, congrats! Building can be rewarding, treat the new accounts well and enjoy
At the time I applied for a Barclays co-brand didn't know about them sometimes being so jumpy with new accounts--had applied for a handful of accounts (was in building mode) shortly after Barclays approval and it hasn't been a problem so far.
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