Sometimes the creditor may deny your app without checking your credit report. One example is when the applicant is blacklisted by Amex, then Amex will instantly deny without doing any credit inquiry.
Under rare occasions the application could end up with a soft inquiry after submitting, either approved or denied. If this is the case, the inquiry will not show in credit monitoring services, and you will have to pull a full report directly from the credit bureau to see it.
Either way, you have to refer to the denial letter stating why you were denied, and if they are making the decision based on any of your credit report.
