Reply
New Member
Posts: 12
Registered: ‎03-15-2011
0

denied for cc for derogatory public record?

i was recently denied for a target cc and when i received the letter from them it said i was denied for derogatory public record, and having too few active accounts. so i pulled all three credit reports and in the public record area there's nothing and it says "no record" what is this and if there's nothing on my credit report than why was I denied because of it? im confused. Any help appreciated. Thank you.

Senior Contributor
Posts: 3,626
Registered: ‎10-13-2009
0

Re: denied for cc for derogatory public record?


olow wrote:

i was recently denied for a target cc and when i received the letter from them it said i was denied for derogatory public record, and having too few active accounts. so i pulled all three credit reports and in the public record area there's nothing and it says "no record" what is this and if there's nothing on my credit report than why was I denied because of it? im confused. Any help appreciated. Thank you.


In the letter they should have indicated which credit bureau supplied the report which contained the public record. 

 

A public record usually means a judgment or a tax lien or some sort.  Do you see anything like that on your reports?

IAALBNYL
New Member
Posts: 12
Registered: ‎03-15-2011
0

Re: denied for cc for derogatory public record?

[ Edited ]

It does tell me its from exuifax, and there's absoloutley nothing on my credit report. Should I call exuifax or target?

Epic Contributor
Posts: 22,406
Registered: ‎01-17-2008
0

Re: denied for cc for derogatory public record?


olow wrote:

It does tell me its from exuifax, and there's absoloutley nothing on my credit report. Should I call exuifax or target?


Where did you pull your reports?

Senior Contributor
Posts: 3,626
Registered: ‎10-13-2009
0

Re: denied for cc for derogatory public record?


olow wrote:

It does tell me its from exuifax, and there's absoloutley nothing on my credit report. Should I call exuifax or target?


I would call the creditor and tell them they might have made a mistake.  Tell them you have a copy of your Equifax credit report and there are no public records.  Perhaps they will ask you to fax them a copy to verify it.

 

Another possibility is that you have a "split" file.  That means you have additional accounts that are on a separate, distinct Equifax credit file.

 

Do you remember ever being delinquent with taxes or being sued over a debt?

IAALBNYL
New Member
Posts: 12
Registered: ‎03-15-2011
0

Re: denied for cc for derogatory public record?

experian.com

Epic Contributor
Posts: 22,406
Registered: ‎01-17-2008
0

Re: denied for cc for derogatory public record?

You pulled your EQ report from EX?

 

If that is the case, I would go directly to EQ and pull it.  Since you have been denied credit, you can get it free from EQ.

New Member
Posts: 12
Registered: ‎03-15-2011
0

Re: denied for cc for derogatory public record?

yes i got all three from experian.com.

New Member
Posts: 12
Registered: ‎03-15-2011
0

Re: denied for cc for derogatory public record?

So call target? And no I have never been sued over a debt or owed taxes. And also I spoke to a lender about a week ago who checked my credit wouldn't he have mentioned it if it was on there? I'm so mad and confused over this. I'm trying so hard to build my credit and I feel like any time I'm getting somewhere I get knocked down.

Epic Contributor
Posts: 22,406
Registered: ‎01-17-2008
0

Re: denied for cc for derogatory public record?

The 3 in 1 reports you get are not always as accurate as the one pulled directly from the CRA.  That is why I suggest you pull it from EQ.

 

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.