Credit Card Center Advertiser Disclosure

Frequent Contributor
Posts: 290
Registered: ‎12-01-2012
0 Kudos

Re: upon CC decline..

[ Edited ]

There are TWO issues involved here that I believe are confusing to many:


1.  If you are denied a credit card, then the cc company will send you (email or land letter) your CREDIT SCORE.  It may be a true FICO or might be a variant thereof.  Note the scoring range!  They may also send you your credit score if you are approved, but do not receive the best terms available (i,e. interest rate).


2.  If denied credit, the cc company will NOT directly send a CREDIT REPORT to you.  Instead, you must contact the appropriate CRA(s) directly, which will have been identified along with your credit score (above).  You then reference the cc company that denied you credit which, of course, is already known to the CRA since they provided your credit information to the cc company.  You will then receive your free credit report online.


And remember, once you have your free credit report, you can continue to get free, updated copies for a period of time, typically two or three months.  You'll need your Report Number from the original credit report, which is then imputed into the CRA online request form each time.  For Experian, you need to find the credit report "Investigative" or "Dispute" portion of their website.  The other two CRAs should be similar.  As an example, see the following Experian LINK:


FICO Score 8: EQ 815 EX 809 TU 814 **** FICO Bankcard 8: EQ 837 EX 826 TU 841 **** VantageScore 3.0: EQ 824 EX 823 TU 822
TOTAL CL (6 cards): $127.7K **** INQUIRIES 2 yrs (1 yr): EQ 0(0) EX 0(0) TU 0(0) **** UTILIZ: 1 % **** GOAL: FICO Score 8: 800+
Amex BCE 30K || NASA FCU Rewards Visa 30K || Chase Sapphire Visa Signature 21.5K || PayPal Extras MC 20K
CITI Diamond Preferred MC 16.2K || Discover it 10K **** CLOSED 7 cards **** GARDENING since 9-26-2014

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.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

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

IMPORTANT INFORMATION: All FICO® Score products made available on 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.