Approved for Apple Card *accidentally* did not get HP'd

[kobeisthegoat]

Yesterday I got my invitation to apply for the Apple Card.  I have all of my credit reports locked, so I went on my computer and unlocked TU right before I applied via iphone.  I was approved for $15,000 sl 17.99% apr. After I accepted the offer, I looked up at my computer and immediately re-locked my TU for no other reason than it was up on the screen and I wanted to do it before I forgot. I just assumed they had pulled my credit already.  A few minutes later I got a notification that TU had blocked an inquiry from Goldman Sachs.  I am able to use my Apple card, no problem, but there's no inquiry on my TU report.  I'm not encouraging anyone else try that... just giving data points.  TU score is 775 with 11% uti, 3 inquiries in the past year, 10 inquiries overall, AAoA 2 years 2 months. 

[AverageJoesCredit]

Congrats but this is like the third time ive noticed this " trick " here and i dont believe its an accident.

[M_Smart007]

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@AverageJoesCredit wrote:
Congrats but this is like the third time ive noticed this " trick " here and i dont believe its an accident.

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Good catch @AJC!

[CreditInspired]

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@AverageJoesCredit wrote:
Congrats but this is like the third time ive noticed this " trick " here and i dont believe its an accident.

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And my hope is that all these people (and it’s way more than 3) who re-locked their TU report after accepting won’t get shutdown by Apple/GS once they realize they don’t have a report on them. 

I guess we’ll have to wait and see. 

[JR_TX]

Congrats! And an awesome SL too! Hope GS don’t shutdown all those “accidentally relocked” TUs. 

- MJistheoneandonlygoat

😝😝😝

[crys12065]

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@CreditInspired wrote:

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@AverageJoesCredit wrote:
Congrats but this is like the third time ive noticed this " trick " here and i dont believe its an accident.

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And my hope is that all these people (and it’s way more than 3) who re-locked their TU report after accepting won’t get shutdown by Apple/GS once they realize they don’t have a report on them. 

I guess we’ll have to wait and see. 

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I apped for this card before the known "trick" for no HP and unlocked my report for the app and a few minutes after accepting relocked it thinking I was good.  The next day they tried to HP me and it was blocked so I sent them a message asking if they needed me to unlock it again and was told no that I am good to go by a GS specialist.  If they come back and ask me to unlock I will but this was over a week ago i asked them and the card is still active.

But sounds like they are now immediately pulling reports and may be on to what people are doing.

[crys12065]

That's a great SL congrats!!!

[SACT51]

Awesome!

[kobeisthegoat]

It really was just a happy accident, but I've since read more about other people having done the same thing.  Of course if they contacted me to unlock my report, I would happily do so.

[RamblingDaveyAlex]

I would just like to get my "Invitation To Apply" email they told me that I would get in "48 Hours". Was on phone 35 mins with Apple today, they have no idea why I haven't got it or how to send to me directly lololol