topic Re: denied for cc for derogatory public record? in General Credit Topics

denied for cc for derogatory public record?

Anonymous — Fri, 18 Mar 2011 02:14:04 GMT

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.

Re: denied for cc for derogatory public record?

Anonymous — Fri, 18 Mar 2011 05:53:24 GMT

@Anonymous 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?

Re: denied for cc for derogatory public record?

Anonymous — Fri, 18 Mar 2011 12:35:33 GMT

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

Re: denied for cc for derogatory public record?

Anonymous — Fri, 18 Mar 2011 12:47:51 GMT

@Anonymous 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?

Re: denied for cc for derogatory public record?

Anonymous — Fri, 18 Mar 2011 12:49:43 GMT

@Anonymous 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?

Re: denied for cc for derogatory public record?

Anonymous — Fri, 18 Mar 2011 12:49:55 GMT

experian.com

Re: denied for cc for derogatory public record?

Anonymous — Fri, 18 Mar 2011 13:16:17 GMT

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.

Re: denied for cc for derogatory public record?

Anonymous — Fri, 18 Mar 2011 13:27:13 GMT

yes i got all three from experian.com.

Re: denied for cc for derogatory public record?

Anonymous — Fri, 18 Mar 2011 13:31:14 GMT

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.

Re: denied for cc for derogatory public record?

Anonymous — Fri, 18 Mar 2011 13:37:25 GMT

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.

Re: denied for cc for derogatory public record?

Anonymous — Fri, 18 Mar 2011 13:50:22 GMT

ugh i wish i knew that then. so you say i can get it for free?

Re: denied for cc for derogatory public record?

Anonymous — Fri, 18 Mar 2011 13:56:19 GMT

Yes. When you go on the site and start the process of ordering a report, it will ask if you have been denied credit in the last 30 - 90 days (not sure what the exact time frame is). You say yes, it will ask what creditor denied you and when.

Then you will get a free report.

I am not saying there will be a judgement there but it is better to know for sure before you call Target and ask for reconsideration.

For future reference, you are entitled to one free report per year from annualcreditreport.com. These reports come directly from the CRAs and are accurate.

Re: denied for cc for derogatory public record?

Anonymous — Fri, 18 Mar 2011 14:19:13 GMT

thankyou for that info i had no idea I could do that. I just got it and printed it out and still there's nothing on there under public record. I'm glad I did I just wish I knew this last night before I spent $40 lol.

Re: denied for cc for derogatory public record?

Anonymous — Fri, 18 Mar 2011 14:29:50 GMT

You are very welcome.