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Inquiry after credit denial????

Established Member

Inquiry after credit denial????

I recently went on a massive app spree due to only having one CC as an AU. I decided to apply for mainly store cards since there is a possibility of being upgraded. Anyhow, I applied for TJX and was not instantly approved so I called the toll free number and was told I was denied and to wait 7-10 days for a letter of explanation. Well today there was another HP from TJX/Discover on my TU. Do you think they are reconsidering it?

Gardening until November 2013
TU 635 (myfico) Sept 2012; 642 (myfico) July 2013
EX 655 (FAKO) Nov 2012;
EQ 548 (FAKO) Nov 2012; 603 (myfico) July 2013
Goal 750 for ALL
Message 1 of 7
6 REPLIES
Regular Contributor

Re: Inquiry after credit denial????

Each time you apply for a credit card they will hard pull you. Unless it says reporting this is the usual outcome for getting denied. You should try Walmart for the free monthly TU score.
TU 746 (10/13)
GOAL: 750+






Message 2 of 7
Highlighted
Regular Contributor

Re: Inquiry after credit denial????

Two hard pulls? I would maybe call and inquire about it. It should only be one.

Message 3 of 7
Valued Contributor

Re: Inquiry after credit denial????

Were both hard pulls done on TU? Or did they pull two different bureaus? Some lenders pull two, or all three if the decision is borderline.

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 832 EX 783 TU 816
App free since 9/15/15
Message 4 of 7
Established Member

Re: Inquiry after credit denial????


Epcot wrote:
Were both hard pulls done on TU? Or did they pull two different bureaus? Some lenders pull two, or all three if the decision is borderline.

They were both on TU and a day apart...

Gardening until November 2013
TU 635 (myfico) Sept 2012; 642 (myfico) July 2013
EX 655 (FAKO) Nov 2012;
EQ 548 (FAKO) Nov 2012; 603 (myfico) July 2013
Goal 750 for ALL
Message 5 of 7
Regular Contributor

Re: Inquiry after credit denial????

Ohh I didn't read clearly there were two hp that's odd.
TU 746 (10/13)
GOAL: 750+






Message 6 of 7
Established Member

Re: Inquiry after credit denial????

I thought so too. I called customer service and she initiated a request to have it removed. I was hoping they'd changed their minds Smiley LOL

Gardening until November 2013
TU 635 (myfico) Sept 2012; 642 (myfico) July 2013
EX 655 (FAKO) Nov 2012;
EQ 548 (FAKO) Nov 2012; 603 (myfico) July 2013
Goal 750 for ALL
Message 7 of 7