Are the reports we buy and see the same lenders (CCC's) buy and see?
The reason I ask is I was just denied for a Nordstrom card this week, and they said # of INQ's was the reason. They pulled TU which only has 4 INQ's for me... I know because the day after I got the decline letter I got ym free report from TU, and I can see the 4 hard INQ's... now comes the odd part.
I called for a recon, got a CSR in the US who said the credit decisions are made at another office, I was transferred to India. The CSR in India said they do not recon, but he would be happy to go over my report and tell me what to improve so I can get the card next time I apply... okay I thought, what the hell... so we noted my positive accounts, never late, always paid. Less than 10 percent utilization... blah blah blah, we get to the INQ's, I say four doesn't seem that high to me, he says Mr. Brown I see six Inq's,
My TU from TU on 11/06/2008:
Credco Automotive (6/14)
Mercedes Benz Financial (6/14)
Capital One (6/15)
Nordstrom (11/02)
His TU from 11/02/2008:
Credco Automotive (6/14)
Mercedes Benz Financial (6/14)
Capital One (6/15)
HSBC (10/23)
Best Buy (9/2)
Nordstrom (11/02)
Yes, I did apply at Best Buy in September, but they pulled EQ, declined me, and it is on my EQ report. I have an HSBC card already (reason given for my Best Buy decline by the way, and they do not recon) why did HSBC pull my credit on October 23? 4 month review? It is a secured card, so I do not understand that one at all...
My main question is though, why does their TU have more INQ's than my TU?
