topic Re: BLEEP.... GE Amazon Store Card IINQ!! in Credit Cards

BLEEP.... GE Amazon Store Card IINQ!!

Creditaddict — Fri, 02 Dec 2011 21:04:54 GMT

They pulled all 3!!!! and I was declined!

I have NEVER seen GE pull all 3! ugh

Re: BLEEP.... GE Amazon Store Card IINQ!!

Anonymous — Fri, 02 Dec 2011 21:10:46 GMT

did you call to recon?

Re: BLEEP.... GE Amazon Store Card IINQ!!

Creditaddict — Fri, 02 Dec 2011 21:15:57 GMT

@Anonymous wrote:
did you call to recon?

I have once so far but going to wait for the letter before I do it again... but I find GE impossible to get to underwriting or finding someone who can over ride a computer decision.

If anyone has a good number that they had success with I'm open arms!

Re: BLEEP.... GE Amazon Store Card IINQ!!

learnin113 — Fri, 02 Dec 2011 21:18:40 GMT

OMG, never heard of GE pulling all three. I've seen them soft other CRs, but only after I've had the account. So sorry, creditaddict.

Re: BLEEP.... GE Amazon Store Card IINQ!!

Anonymous — Fri, 02 Dec 2011 21:32:40 GMT

@Creditaddict wrote:
@Anonymous wrote:
did you call to recon?
I have once so far but going to wait for the letter before I do it again... but I find GE impossible to get to underwriting or finding someone who can over ride a computer decision.

If anyone has a good number that they had success with I'm open arms!

oh was thinking thats when they pulled the other 2, when you called in

Re: BLEEP.... GE Amazon Store Card IINQ!!

bichonmom — Fri, 02 Dec 2011 21:56:38 GMT

Wow! 3 HP! I'd definitely try for a recon if at all possible. And if they won't approve you, maybe you can get to someone who will remove 1 or 2 of the hits. You can tell them that you authorized *one* inquiry and would not have applied if you had known that they would do all 3.

From everything I've read here (and my own limited experience), they usually pull TU; though I think recently someone did post here that they hit EQ instead. I wonder if they kept hitting your CR to try and get you approved. In any case, I would try a recon and/or getting 1 or 2 removed. You didn't authorize 3 hits, after all. And it can't hurt to try.

Re: BLEEP.... GE Amazon Store Card IINQ!!

Anonymous — Sat, 03 Dec 2011 03:41:56 GMT

Did they at least give you all 3 scores?

Re: BLEEP.... GE Amazon Store Card IINQ!!

MarcinXP — Sat, 03 Dec 2011 08:12:10 GMT

I was recently denied and they only pulled EXPERIAN..was shocked since everything I read here said they would pull TU, but they pulled Experian..in GA

Re: BLEEP.... GE Amazon Store Card IINQ!!

clocktick — Sat, 03 Dec 2011 10:24:06 GMT

Who is GE Capital Retail Bank (GECRB)? I just read that's who this card is backed by. Is this "old" GEMB or completely separate? Any former names?

Sorry about the 3 HPs, geez. That's a Cap One practice!

Re: BLEEP.... GE Amazon Store Card IINQ!!

LS2982 — Sat, 03 Dec 2011 13:48:12 GMT

@Creditaddict wrote:
They pulled all 3!!!! and I was declined!

I have NEVER seen GE pull all 3! ugh

I guess I lucked out with the other 2 being frozen when I apped.

Re: BLEEP.... GE Amazon Store Card IINQ!!

LS2982 — Sat, 03 Dec 2011 13:48:57 GMT

@clocktick wrote:
Who is GE Capital Retail Bank (GECRB)? I just read that's who this card is backed by. Is this "old" GEMB or completely separate? Any former names?

Sorry about the 3 HPs, geez. That's a Cap One practice!

This is GEMB. They changed their name 10/1 of this year.

Re: BLEEP.... GE Amazon Store Card IINQ!!

Anonymous — Sat, 03 Dec 2011 14:07:27 GMT

@Creditaddict wrote:
@Anonymous wrote:
did you call to recon?
I have once so far but going to wait for the letter before I do it again... but I find GE impossible to get to underwriting or finding someone who can over ride a computer decision.

If anyone has a good number that they had success with I'm open arms!

1-866-634-8379

Called a couple weeks ago, asked for underwriting (existing card, but should be the same people). Guy had my credit report in front of him and asked me a few questions and gave me my CLI.

Good luck!

Re: BLEEP.... GE Amazon Store Card IINQ!!

Anonymous — Sat, 03 Dec 2011 14:28:17 GMT

They pulled all three then I apped in Sept.

Re: BLEEP.... GE Amazon Store Card IINQ!!

boomhower — Sat, 03 Dec 2011 14:28:34 GMT

@bichonmom wrote:
Wow! 3 HP! I'd definitely try for a recon if at all possible. And if they won't approve you, maybe you can get to someone who will remove 1 or 2 of the hits. You can tell them that you authorized *one* inquiry and would not have applied if you had known that they would do all 3.

From everything I've read here (and my own limited experience), they usually pull TU; though I think recently someone did post here that they hit EQ instead. I wonder if they kept hitting your CR to try and get you approved. In any case, I would try a recon and/or getting 1 or 2 removed. You didn't authorize 3 hits, after all. And it can't hurt to try.

The OP did authorize them to pull all three when they apped. They might remove one or two as a good will gesture but I wouldn't count on it.

OP: Sorry to hear, that really sucks. I would recon recon and recon some more. What does your scores and reports look like? Ever had a GEMB account before?

Re: BLEEP.... GE Amazon Store Card IINQ!!

bichonmom — Sun, 04 Dec 2011 00:11:41 GMT

Re: BLEEP.... GE Amazon Store Card IINQ!!

LS2982 — Sat, 03 Dec 2011 17:07:26 GMT

I'm not aware that a bank has to tell you theyre going to pull all 3. If you were new to the credit world. You wouldnt know Cap1 pulls 3 on anything.

Re: BLEEP.... GE Amazon Store Card IINQ!!

LS2982 — Sat, 03 Dec 2011 17:08:52 GMT

I'm wondering now if thats why they declined me because they couldnt access EX/EQ?? hmm

Re: BLEEP.... GE Amazon Store Card IINQ!!

Creditaddict — Sat, 03 Dec 2011 21:45:11 GMT

I called that number and it says corporate? Did you get transferred from there to right department?

I will have to wait until Monday anyway for them to be open most likely... but I am done with this especially now seeing all 3 pulled!!!

To other poster, they do not have to tell you what report they are pulling and how many of them and usually even when you ask the reps have no idea... I actually get told 95% of the time if I did call and ask that we pull all 3 and actually very few banks pull multiple reports on a regular basis.

1. Amex until recently was always EX but in the last year or so we have seen a little TU action if you were on the border of approval

2. Cap1, we always knew was all 3

3. Navy is either EQ or TU, thought I figured out which loan apps pulled which but that was thrown out window when they pulled EQ for both CC and Auto.