And got this denial letter:
Thank you for your recent application for a credit card issued by Barclays Bank Delaware.
We regret that we're unable to approve you for a credit card account due to the following reason(s):
In evaluating your application, the consumer reporting agency listed below provided us with information that in whole or in part influenced our decision. The reporting agency played no part in our decision other than providing us with credit information about you, and is unable to supply specific reasons why we have denied credit to you. Under the Fair Credit Reporting Act, you have a right to know the information provided to us. It can be obtained by contacting: EXPERIAN, PO BOX 2002, ALLEN, TX 75013, 888-397-3742
You also have a right to a free copy of your report from the reporting agency, if you request it no later than 60 days after you receive this notice. In addition, if you find that any information contained in the report you receive is inaccurate or incomplete, you have the right to dispute the matter with the reporting agency.
We also obtained your credit score from this consumer reporting agency and used it in making our credit decision. Your credit score is a number that reflects the information in your credit report. Your credit score can change, depending on how the information in your credit report changes.
Your credit score:629
Is this an accurate FICO score???? I thought Barclays only used Transunion...and HOLY CRAP MY EXPERIAN IS A 629?????????????????
I have NEVER seen Barclay pull anything other than TU... ugh I don't like this if this is the new practices of Barclay!
Not sure rather Fico or not, sorry.
No I do not. But, earlier tonight when I went to update my TU score here on MyFico, it gave me an error message and wouldn't let me pull it. Maybe the two are related??
There are some records of duo-pull on TU and EX by them. Pulling only EX is very rare. Do you have fraud alert on TU?
Is the Experian score indicated in the denial a FICO do you know?