Wamu Denies without doing a Hard pull?

[Anonymous]

i tried applying for a Wamu card this past week and they denied me and no hard pull ever showed up on any of my reports. i have a 640 transunion scorew with 4 inq. this is the second time i've applied to them in the past 2 months  and both times no hard pull. i dont even see a soft pull? could it be they are using and old report from me applying 5 monbths ago when my TU was 590?

[Anonymous]

Did you ever get a explanation letter from them?

AKA Adverse Action letter.

Message Edited by Timothy on 11-05-2007 08:29 AM

[Anonymous]

the very first time when they did the hard pull but i havent seen one since

[Anonymous]

I would call and make sure they got the app from your online request.

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@Anonymous wrote:

the very first time when they did the hard pull but i havent seen one since

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[Anonymous]

You don't have an old charged-off Providian do you?  Those scores should've gotten you on with a decent limit.

[llecs]

Same happened to me. I received the decline letter a couple weeks later. It said that I was declined because I applied within the "past 2 months". I applied for biz credit in August and was declined and then personal credit about 8 weeks later. The letter also stated there would be no inquiry because of the length in time between applications.

Perhaps 2 full months hadn't passed yet.

[Anonymous]

no charge off with providian. i did have an account with providian i closed back in 2002. but it was paid in full with no lates. maybe it wasnt the full two months guess i'llk have to wait and see if i get a letter saying so.

[Red1Blue]

What is the policy of Wamu for a Providian Charge off but paid after charge off. What do they want? I had a providian card that was charged off in 2005. I settled and paid it off to a CA and the debt is satisfied. Would that qualify me for a new card with them? What is the Wamu Policy on this kind of situations?