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Established Member
postalmommy
Posts: 21
Registered: ‎09-19-2012

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
Regular Contributor
Tran92
Posts: 217
Registered: ‎09-25-2012

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+






Regular Contributor
PleioneG
Posts: 114
Registered: ‎08-29-2012

Re: Inquiry after credit denial????

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


Wallet: Capital One Platinum - $2000, Amazon - $3000, Walmart - $3000, Discover It - $1000, Chase Freedom - $3000
Current Score: TU98: 678 - 2/2012, Walmart TU - 672 2/2013, Equifax 713 - 1/2013
Goal Score: 700 for all three.
GC Challenge: App free since 1/2013. No more apps! 2015 for mortgage!
Valued Contributor
Epcot
Posts: 2,777
Registered: ‎10-10-2012

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 809 EX 774 TU 805
App free since 4/11/13
Established Member
postalmommy
Posts: 21
Registered: ‎09-19-2012

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
Regular Contributor
Tran92
Posts: 217
Registered: ‎09-25-2012

Re: Inquiry after credit denial????

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






Established Member
postalmommy
Posts: 21
Registered: ‎09-19-2012

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 :smileylol:

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

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