Would credit card applications accept "self requested credit report" do this to prevent hard pulls

[Anonymous]

Would credit card applications accept "self requested credit report" do this to prevent hard pulls

Like maybe request a copy of your own credit report, and send that to credit card companies  during new card applications , to prevent hard inquiries and pulls

Is that be possible? Advice  would be greatly appreciated,  thank you

[Anonymous]

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@Anonymous wrote:

Would credit card applications accept "self requested credit report" do this to prevent hard pulls

Like maybe request a copy of your own credit report, and send that to credit card companies  during new card applications , to prevent hard inquiries and pulls

Is that be possible? Advice  would be greatly appreciated,  thank you

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Welcome to MyFICO

The answer to your question is no they would not accept copies of any credit report you send them.  It is too easy to edit and/or forge any document with today's technology so they will only base their decision on reports that they pull themselves.

Don't let the prospect of a HP deter you from applying for credit.  The effects of them on your credit reports/scores are grossly overstated at times and any small scoring effect that they do will go away after a year. Your credit reports and scores will be affected far more by new accounts than they would from a HP.

[Anonymous]

Those HP inquiries are an import part of your credit risk profile.  A person who has too many HPs in recent time may be "seeking credit" desperately and could be a higher risk to a new bank (or their old accounts).  So creditors want to see how much credit you're seeking recently and use that in their decision to give you a new credit line or reduce your current credit limits.

Providing your own credit report means creditors won't get this valuable insight.

Of course, a person with an 800 FICO score who has many inquiries is far less risky than someone with a 600 FICO score -- inquiries matter less the more perfect your credit is -- but those who do a lot of hunting for new credit are still a risk and creditors need to see that.

[Anonymous]

Would credit card companies accept your self requested credit reports for new card applications even if you just requested a very NEW report as new as TODAYS report?

[Anonymous]

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@Anonymous wrote:

Would credit card companies accept your self requested credit reports for new card applications even if you just requested a very NEW report as new as TODAYS report?

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No they wouldn't.  As I said in my first reply, they will only go by reports that they pull.  User submitted reports would never be accepted no matter what date shows on them.

[AverageJoesCredit]

No

[Anonymous]

1) OP think college transcripts...the school wants it directly from the H/S not the beautifully photoshopped one, you can cousin Kenny do e up in the basement 😨

2) But MOST IMPORTANTLY....Watch closely!!!!
The CRAs are in the BUSINESS of SELLING credit pulls to lenders

Lenders,banks, CUs, auto dealers, etc, etc pull reports ALL DAY long...you think for a nano second that BILLION dollar relationship is going to be interrupted 😂😂😂 yeah, right ... 🐖are flying and PHX is freezing over

Folks 'think' this thing out THAT'S their business, recent marketing that ppl CONFUSED about who the freak the ongoing PAYING is....

Hint: it ain't YOU

The 🍞 is NOT buttered by we, the people..we are tolerated with, the information exchange is really between 2 other parties ABOUT us but we are NOWHERE as important as the 2 are to each other...ppl better start getting that straight.

*OP it's like having a drink or eating McDonald's...you'll have to learn how to manage it responsibly, there are zero short cuts around that, and some errors and bound to be made, no absolutes

[UpperNwGuy]

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@Anonymous wrote:

Would credit card companies accept your self requested credit reports for new card applications even if you just requested a very NEW report as new as TODAYS report?

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Tell us what problem you are attempting to solve, and maybe we can suggest a solution.  Right now you are focused on the impossible.