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You could ask them to reconsider and fax an updated report if Eq deletes. But generally they will want to pull themselves. Don't fret, Inqs are a very small percent of your score and their affects quickly dissapate.
TCarson wrote:I applied for two new credit cards because I wanted to earn points while I spend money moving my family from California to Texas. The way I see it, if I'm going to spend 20K why not get some points while I do it. I can pay the balances off before the next statement.I checked my Transunion and Experian scores and saw they were both over 770, so I figured there would be no problems.
I was shocked to hear that both cards were denied because of derogatory information on my Equifax CR. When I checked Equifax, they have an account that doesn't belong there and I am in the process of having it removed. At this time I was told that over 50% of all credit reports have some sort of error, and most of the errors are on Equifax. Not good.
My question.Is there a way to re-apply for the same credit cards without having them do a full inquiry?
I don't want to add two more inquires as I know they have an adverse effect on my scores.Thanks,