Reply
Moderator Emeritus
Posts: 5,436
Registered: ‎03-10-2007
0

Re: Credit characterization



okrogius wrote:
While the offer is nice, it's only that. I don't consider primeness based on their best card, but rather the typical card. Again note cap 1 - they do have good cards, just far from their typical card.


I can't compain with their middle of the road card I haven't paid over 2% interest in the past year on any purchases thanks to great Bt offers.  That and they will auto upgrade you to bennies like cash back and lower interest rates makes it a great card in my book.
Frequent Contributor
Posts: 351
Registered: ‎04-02-2007
0

Re: Credit characterization

::::::::If you got really weird questions, they pulled your LexisNexis report. Sometimes companies use that for verifying who you are, although luckily rarely. HSBC uses it frequently.::::::::
 
 
I just got a letter in the mail this weekend from Lexus Nexus stating that I had requested my report from them.  I didn't even know who they were to get a report from them.  However, I did apply for an HSBC card.  Could that be why I got the letter?  They want a copy of my DL and a variety of other documents before they will release the report.  Is this legit?  Should I be concerned that it's a scam?
Senior Contributor
Posts: 4,831
Registered: ‎04-20-2007
0

Re: Credit characterization

I wouldn't send anyone anything like that.
Moderator Emeritus
Posts: 6,182
Registered: ‎03-29-2007
0

Re: Credit characterization



HouseHunter wrote:
::::::::If you got really weird questions, they pulled your LexisNexis report. Sometimes companies use that for verifying who you are, although luckily rarely. HSBC uses it frequently.::::::::
 
 
I just got a letter in the mail this weekend from Lexus Nexus stating that I had requested my report from them.  I didn't even know who they were to get a report from them.  However, I did apply for an HSBC card.  Could that be why I got the letter?  They want a copy of my DL and a variety of other documents before they will release the report.  Is this legit?  Should I be concerned that it's a scam?


Ignore them. HSBC does not use Lexus Nexus.. HSBC is a consistent EQ puller.
Frequent Contributor
Posts: 351
Registered: ‎04-02-2007
0

Re: Credit characterization

They didn't pull EQ on me.  It shows as EX but don't understand why I got the Lexis Nexis letter out of the blue.
Moderator Emeritus
Posts: 6,182
Registered: ‎03-29-2007
0

Re: Credit characterization



HouseHunter wrote:
They didn't pull EQ on me.  It shows as EX but don't understand why I got the Lexis Nexis letter out of the blue.



Hard to say for sure. There is quite a bit info in a Lexis Nexis report. Where you live, what you own, who your relatives and neighbors are, any criminal record or public judgment records, on and on and on...

They do not consider themselves a CRA and do not examine, verify, or correct their data; rather they resell data obtained from other sources. So, maybe HSBC queried them for non credit related data.
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 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.

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.