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Score mailed upon approval question...

Frequent Contributor

Score mailed upon approval question...

Does the score you're sent with a new card include the hit from the inquiry you took to get the card or no?
Amex B.C.E. - $2.5k - Amex Everyday - $5k - N.C.F.C.U.M.C. - $5k - Amex Gold - NPSL/35k P.O.T. - Discover It - $12k - Sam's Club M.C. - $10k -
Walmart M.C. - $7.5k - Citi T.Y.P. - $10k- Chase Freedom - $5k - Chase Marriott - $7.4k - U.S. Bank Cash + - $6k -
W.M. TU-781(Jan/15) Citi EQ-782(Dec/14) EX-782(Oct/14)
Audi, Vide, Tace. . .
Message 1 of 10
9 REPLIES
Established Contributor

Re: Score mailed upon approval question...

I would say no. Correct me if I am wrong

NFCU CashRewards $13.5k | AMEX BCE $15k | Lowes $17k | Sportsmanss guide $7.6k | Chase Freedom $1k | Discover IT $4.4k |
Walmart $8k | Gordman's $2950
Message 2 of 10
Valued Contributor

Re: Score mailed upon approval question...

Do they mail scores out with approvals? I have only seen a score with a denial letter.

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 832 EX 783 TU 816
App free since 9/15/15
Message 3 of 10
Regular Contributor

Re: Score mailed upon approval question...

It is most often from the company's internal scoring system as well as opposed to being a FICO score so you may want to keep that in mind.
2/22/13: TU-716, EX-702, 4/24: EQ-749
2/20/14: TU-695, EQ-671
Goal: mid-700's
Message 4 of 10
Frequent Contributor

Re: Score mailed upon approval question...


Epcot wrote:
Do they mail scores out with approvals? I have only seen a score with a denial letter.

i recently got a new BofA cash rewards card at 12.99% apr (the lowest offered for that card) - no score was included.

my understanding is that scores are required for denials... or if when you are approved, you are not given the lowest apr


BofA visa $9.4k ... BofA Cash Rewards visa sig $10k ... Cap 1 Venture1 visa sig $10k ...
Chase Freedom visa $10k ... Macy's $1.5k ... Macy's Amex $5k ... Sam's Club $6.3k
myFICOs as of 3/25/14:...EX=809 .... EQ=802....TU=787
Message 5 of 10
Blogger

Re: Score mailed upon approval question...


tattooedhusker wrote:

I would say no. Correct me if I am wrong


+1

 

Message 6 of 10
Valued Contributor

Re: Score mailed upon approval question...


Imua wrote:

Epcot wrote:
Do they mail scores out with approvals? I have only seen a score with a denial letter.

i recently got a new BofA cash rewards card at 12.99% apr (the lowest offered for that card) - no score was included.

my understanding is that scores are required for denials... or if when you are approved, you are not given the lowest apr


I agree. I actually did receive a score for my TD Bank Easy Rewards card but did not receive the lowest APR. They supplied me with my score and things on my report that affected my score.


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 7 of 10
Regular Contributor

Re: Score mailed upon approval question...

Most of the approvals and denials have come with scores. It didnt matter if it was from Chase or my credit union loan dept. They seem to be sending scores with there decisions. With my friends it been the same too. I dont believe it includes the hit to score as well. That should happen after it post to CRA.

Starting Score: 5/2012 TU 595, EQ 565, EX fako 547
Current Score:as of 9/2012, TU 626,Walmart 612, EQ 600, EX fako 623
Goal Score: 640 by dec 2013
BofA Au 13000, Amazon 600, Capt1 300, Walmart 150
When all else fails pay it!


Message 8 of 10
Blogger

Re: Score mailed upon approval question...

Chase denied me without supplying a score.

Message 9 of 10
Highlighted
Moderator Emeritus

Re: Score mailed upon approval question...

If a FICO score was used, then a hit, if any at all, would be included in that score.

Message 10 of 10