Capital One CLI Deny Letter

[Anonymous]

Anyway to get a free CR from this? 

Don't see any info on the 2nd or 3rd page regarding being able to receive a free CR for denial. 

[FinStar]

Which CR did they reference on the letter for the CLI?

[Anonymous]

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@FinStar wrote:

Which CR did they reference on the letter for the CLI?

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They don't reference any on denials or approvals for CLI...

[darwin_wins]

Click on this and you should be able to request report if you were declined.

http://www.experian.com/reportaccess/#requestReport

[Anonymous]

Cap1 is generally a SP even if denied.  Keyword "generally"  I get denied on my QS MC often. I KNOW.

[Anonymous]

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@Anonymous wrote:

Cap1 is generally a SP even if denied.  Keyword "generally"  I get denied on my QS MC often. I KNOW.

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Yup, I was just wondering if I could get a free CR out of it. 

[Ghoshida]

What is the reason for denial?

If it's because less than six months (or three months from issue) then they didn't do any pulls either soft or hard so no free CR.

If they give other credit related issues then you can get a free CR.

[FinStar]

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@Ghoshida wrote:
What is the reason for denial?

If it's because less than six months (or three months from issue) then they didn't do any pulls either soft or hard so no free CR.

If they give other credit related issues then you can get a free CR.

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Exactly.

[Anonymous]

Last time I got a CR because of a HP denial, it didn't show my FICO score, only my accounts and history. I can get that from Credit Karma, unless it's Experian. You inside 6 months with Cap One? Some people get CLIs in about 90 days, most every 6 months.

[Anonymous]

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@FinStar wrote:

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@Ghoshida wrote:
What is the reason for denial?

If it's because less than six months (or three months from issue) then they didn't do any pulls either soft or hard so no free CR.

If they give other credit related issues then you can get a free CR.

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Exactly.

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They said too little account usage in relation to my CL. Ironic because that month was when I had the most $$$ post onto my account.