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Frequent Contributor
Posts: 268
Registered: ‎08-20-2012
0

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?
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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)
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Established Contributor
Posts: 529
Registered: ‎10-25-2012
0

Re: Score mailed upon approval question...

I would say no. Correct me if I am wrong

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Valued Contributor
Posts: 2,802
Registered: ‎10-10-2012
0

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
Regular Contributor
Posts: 115
Registered: ‎06-15-2008
0

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
Frequent Contributor
Posts: 292
Registered: ‎01-17-2009
0

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
Blogger
Posts: 3,367
Registered: ‎10-19-2012
0

Re: Score mailed upon approval question...


tattooedhusker wrote:

I would say no. Correct me if I am wrong


+1

 

Valued Contributor
Posts: 2,049
Registered: ‎11-17-2012
0

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.


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Regular Contributor
Posts: 228
Registered: ‎12-05-2007
0

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
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When all else fails pay it!


Blogger
Posts: 3,367
Registered: ‎10-19-2012
0

Re: Score mailed upon approval question...

Chase denied me without supplying a score.

Moderator Emeritus
Posts: 32,865
Registered: ‎08-04-2007
0

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.

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