Credit Cards Center Credit cards from our partners
Reply
Established Member
Posts: 107
Registered: ‎12-12-2013
0

upon CC decline..

hey guys, i was wondering abt CC decline and our rights to know the info.

i heard that once we get C declined, we get a chance to see credit history and score for free for once.

is this true? if so, how do we get it?

Contributor
Posts: 110
Registered: ‎10-31-2013
0

Re: upon CC decline..

[ Edited ]

Feather_Hat wrote:

hey guys, i was wondering abt CC decline and our rights to know the info.

i heard that once we get C declined, we get a chance to see credit history and score for free for once.

is this true? if so, how do we get it?


Yes, which ever credit bureau they pull, you get to request a copy of your Credit Report from that bureau within 60 days.  The letter you get in will tell you how.

Established Member
Posts: 107
Registered: ‎12-12-2013
0

Re: upon CC decline..

thanks heaps !


DomoNomo wrote:

Feather_Hat wrote:

hey guys, i was wondering abt CC decline and our rights to know the info.

i heard that once we get C declined, we get a chance to see credit history and score for free for once.

is this true? if so, how do we get it?


Yes, which ever credit bureau they pull, you get to request a copy of your Credit Report from that bureau within 60 days.  The letter you get in will tell you how.


 

Mega Contributor
Posts: 16,959
Registered: ‎08-08-2011
0

Re: upon CC decline..

You get the free report but not the score.

Discover IT $16.5k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $9.5k / Walmart Mastercard $8k / PayPal SmartConnect $5.1k
CareCredit $5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $3.95k / Citi DC (WMC) $4.3k
Gardening Date 5/8/15 / MyFico 08: EQ 729 / TU 724 / EX 750 / 7/12/15
Senior Contributor
Posts: 11,485
Registered: ‎10-21-2012
0

Re: upon CC decline..


Feather_Hat wrote:

hey guys, i was wondering abt CC decline and our rights to know the info.

i heard that once we get C declined, we get a chance to see credit history and score for free for once.

is this true? if so, how do we get it?


The declined letter should provide you with the score and the range used.  You can request the CR depending on which one was pulled.  You will not get a free score from the CRAs.

Super Contributor
Posts: 12,559
Registered: ‎04-22-2013
0

Re: upon CC decline..

I believe that they only need to provide a CR reference if it was a factor used in making the decision.   So if an issuer has internal records noting an unpaid charge off they can deny your application and you are then not entitled to a free report.  In this situation they shouldn't have pulled  your credit anyway.

Valued Contributor
Posts: 1,206
Registered: ‎02-19-2012
0

Re: upon CC decline..


Try reckoning before you just wait for letter it can't hurtSmiley Wink

 


Starting Score: 0
Current Score: TR??FICOEQ ?? FICO
Goal Score: 760

Lowes7,000 Discover More 2800. Jcpenny 6,000
Chase freedom 800 Never take NO for an answer!!
Senior Contributor
Posts: 11,485
Registered: ‎10-21-2012
0

Re: upon CC decline..

I'm fairly certain the OP may be aware that this may pose a challenge given his current profile and other factors that influenced not getting approved.  It also depends which CC was applied for.

Established Member
Posts: 107
Registered: ‎12-12-2013
0

Re: upon CC decline..

thanks guys for many comments !

i was wondering abt free credit checks becuase i heard it somewhere and couldn't varify through google search XD haha


thanks again !

Senior Contributor
Posts: 11,485
Registered: ‎10-21-2012
0

Re: upon CC decline..

[ Edited ]

Feather_Hat wrote:

thanks guys for many comments !

i was wondering abt free credit checks becuase i heard it somewhere and couldn't varify through google search XD haha


thanks again !


If declined (or did not receive the best credit terms), you can normally request a free copy of your CR depending on the agency that was used for the credit decision.  Otherwise, you can get (1) set of complimentary reports from all 3 CRAs annually from www.annualcreditreport.com

 

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.