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Frequent Contributor
7PM789
Posts: 255
Registered: ‎08-20-2012

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 - N.C.F.C.U.M.C. - $5k - Amex Gold - NPSL - Discover More - $7.5k - Sam's Club Discover - $10k -
Walmart Discover - $7.5k - Citi T.Y.P. - $5.5k - Chase Freedom - $2.2k -
W.M.TU-775(July/14/) EQ-726(July/12) EX-753(Jan/13)
Audi, Vide, Tace. . .


Frequent Contributor
tattooedhusker
Posts: 484
Registered: ‎10-25-2012

Re: Score mailed upon approval question...

I would say no. Correct me if I am wrong

NFCU CashRewards $13.5k | AMEX BCE $9.5k | Lowes $17k | Sportsmanss guide $5.5k | Chase Freedom $1k | Discover IT $1.4k |
Walmart $8k | Gordman's $1750 |

Scores: EQ: 676 EX: 714 TU: 720
Valued Contributor
Epcot
Posts: 2,783
Registered: ‎10-10-2012

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 809 EX 774 TU 805
App free since 4/11/13
Regular Contributor
Erica1
Posts: 115
Registered: ‎06-15-2008

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
Imua
Posts: 291
Registered: ‎01-17-2009

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
HiLine
Posts: 2,836
Registered: ‎10-19-2012

Re: Score mailed upon approval question...


tattooedhusker wrote:

I would say no. Correct me if I am wrong


+1

 

Valued Contributor
daybreakgonesXe
Posts: 1,744
Registered: ‎11-17-2012

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.

Capital One Quicksilver World Mastercard $10k | JCPenney Platinum $7.5k | Shell Drive for Five $800 | Chase Freedom Visa Signature $9.8k | TD Bank Easy Rewards Visa Signature $5k | Chase Sapphire Visa Signature $10k | American Express Blue Sky $25k | Discover IT $9.5k

EQ FICO 709 TU FICO 746 Credit Karma (TU) 780 Transrisk 821/990 Credit Sesame (EX) 762 Credit.com (EX) 763 VantageScore 3.0 733
Regular Contributor
luckelle
Posts: 168
Registered: ‎12-05-2007

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!


Blogger
HiLine
Posts: 2,836
Registered: ‎10-19-2012

Re: Score mailed upon approval question...

Chase denied me without supplying a score.

Moderator Emeritus
llecs
Posts: 32,880
Registered: ‎08-04-2007

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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