Creditor Contacts on CR

[Anonymous]

I have a question that I have not seen the answer to on here.   When reveiwing my cr report down towards the botton after the Inq section there is a Creditor Contact section with different CC/Mort/Auto ,etc (on mine).

The thing is, when reviewing it, there are a couple of cc's I applied for and was denied that are not listed in that section, but a couple that I am waiting to hear about are listed.  When I read the expanation of what a CredCont is by TC's report it states that this section "lists the name and contact info for ea creditor that appears on my cr".  It also states that "it can also include the contact info for creditors that have made inquiries".

So, to try and make a long story short, lol, does this mean if a ccc that I am waiting to hear from is  listed, does this mean they apprvd me?  I hope this makes sense.  Any insight will be greately appreciated.

[Anonymous]

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DuckHunter wrote:

I have a question that I have not seen the answer to on here.   When reveiwing my cr report down towards the botton after the Inq section there is a Creditor Contact section with different CC/Mort/Auto ,etc (on mine).

The thing is, when reviewing it, there are a couple of cc's I applied for and was denied that are not listed in that section, but a couple that I am waiting to hear about are listed.  When I read the expanation of what a CredCont is by TC's report it states that this section "lists the name and contact info for ea creditor that appears on my cr".  It also states that "it can also include the contact info for creditors that have made inquiries".

So, to try and make a long story short, lol, does this mean if a ccc that I am waiting to hear from is  listed, does this mean they apprvd me?  I hope this makes sense.  Any insight will be greately appreciated.

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If you applied for a CC and you have had defaulted  in the past with whatever CCC owns then now...you might have been blacklballed....they do not pull CR then

I applied with HSBC & was refused as I had Providian CC & defaulted several years ago...no CR was pulled

[Anonymous]

I have not defaulted on anything.  Maybe an example will help explain. 

I applied for a Home Depot card, I was denied.  Home Depot is not listed under the Creditor Contacts section.

I applied for a Chase Rapid Rewards card and I am still waiting to hear from them, but, they are listed under my Creditor Contacts section. 

So, I was hoping that maybe if they are showing up in that section, I have been approved but have not received the card yet.  Thanks for any additional input, it is greatly appreciated. 

[Anonymous]

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DuckHunter wrote:

I have not defaulted on anything.  Maybe an example will help explain. 

I applied for a Home Depot card, I was denied.  Home Depot is not listed under the Creditor Contacts section.

I applied for a Chase Rapid Rewards card and I am still waiting to hear from them, but, they are listed under my Creditor Contacts section. 

So, I was hoping that maybe if they are showing up in that section, I have been approved but have not received the card yet.  Thanks for any additional input, it is greatly appreciated. 

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when denied you should get a letter stating why...If you get one call them & question it....Maybe you entered incorrect info.  the slighest mistake can mean a turn down. It should have been shown as a hard pull.