Author Topic: Copy of credit report after CC approval  (Read 4776 times)

Offline LA2NYC

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Copy of credit report after CC approval
« on: June 12, 2012, 03:43:09 PM »
I'm trying to contact and speak with a service rep at Experian to get a copy of my credit report, which I believe I can access within 60 days of application approval.  The only numbers I can find are an automated service-is there any way to contact a service rep at Experian to obtain a copy of the report?

Thanks!

Offline JEWDA

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Re: Copy of credit report after CC approval
« Reply #1 on: June 12, 2012, 03:43:54 PM »
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Offline HelpMe

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Re: Copy of credit report after CC approval
« Reply #2 on: June 12, 2012, 03:47:34 PM »
You are not entitled to your report because of applications. It has to result in some type of AA.
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Offline LA2NYC

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Re: Copy of credit report after CC approval
« Reply #3 on: June 12, 2012, 03:51:58 PM »
I was approved for the CC, and the Amex documentation contained my Fico score and a section which says I can obtainable copy of my credit report without charge for 60 days.  The website listed in an earlier post forces you to sign up for a service-is there a way to obtain this report without signing up?

Offline Saver2000

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Re: Copy of credit report after CC approval
« Reply #4 on: June 12, 2012, 03:53:19 PM »
You are not entitled to your report because of applications. It has to result in some type of AA.

Correct.  After applying for a cc and being declined you are entitled to a free report within 30 (60?).

The credit bureau has no idea if you were approved or declined,  so you are able to get a free report as long as the CB detects an inquiry with the last 30/(60) days.

Offline JEWDA

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Re: Copy of credit report after CC approval
« Reply #5 on: June 12, 2012, 03:54:13 PM »


The credit bureau has no idea if you were approved or declined,  so you are able to get a free report as long as the CB detects an inquiry with the last 30/(60) days.
+1
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Offline LA2NYC

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Re: Copy of credit report after CC approval
« Reply #6 on: June 12, 2012, 03:57:19 PM »
Correct.  After applying for a cc and being declined you are entitled to a free report within 30 (60?).

The credit bureau has no idea if you were approved or declined,  so you are able to get a free report as long as the CB detects an inquiry with the last 30/(60) days.

Aha-so is there a way to contact a live customer service rep at Experian?

Offline Saver2000

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Re: Copy of credit report after CC approval
« Reply #7 on: June 12, 2012, 04:05:37 PM »
Aha-so is there a way to contact a live customer service rep at Experian?

Why don't you just us the automated system?  The phone number should be in the letter.

Offline meshugener

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Re: Copy of credit report after CC approval
« Reply #8 on: June 13, 2012, 02:47:16 AM »
Its 60 days, not 30.
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Offline PETERP

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Re: Copy of credit report after CC approval
« Reply #9 on: July 24, 2012, 08:31:46 PM »
Its 60 days, not 30.

So what's the best place place  to pay for a full report?

Offline PETERP

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Re: Copy of credit report after CC approval
« Reply #10 on: July 31, 2012, 10:06:34 AM »
So what's the best place place  to pay for a full report?

     Updated data point. I called experian 85 days after app and
got report in the mail yesterday .
      60 Days is a myth ! Or at least YMMV !
« Last Edit: July 31, 2012, 10:12:43 AM by PETERP »

Offline adam0619

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Re: Copy of credit report after CC approval
« Reply #11 on: July 31, 2012, 07:39:41 PM »
Aha-so is there a way to contact a live customer service rep at Experian?

A nice trick to use when calling up a company that uses an automated voice mail service is to press any three numbers, which will bring you to someone's extension.  If the person doesn't know how to help you, they'll often transfer you to the person who does.

I've tried it.  It works.

Offline sal2011

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Re: Copy of credit report after CC approval
« Reply #12 on: September 12, 2012, 01:17:53 AM »
+1
ha worked like a charm thanks jewda

Offline smurf

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Re: Copy of credit report after CC approval
« Reply #13 on: September 12, 2012, 10:32:33 AM »
After doing 2 BM for someone and getting approved amex sent them a letter with their experian fico score

Offline JEWDA

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Re: Copy of credit report after CC approval
« Reply #14 on: September 12, 2012, 11:39:01 AM »
After doing 2 BM for someone and getting approved amex sent them a letter with their experian fico score
They always do IME
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Offline MeirS

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Re: Copy of credit report after CC approval
« Reply #15 on: January 29, 2014, 12:12:43 AM »
I see there is a link for EX up-thread, does anyone have the link for TU or EQ?

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Re: Copy of credit report after CC approval
« Reply #16 on: January 29, 2014, 06:15:27 AM »
I see there is a link for EX up-thread, does anyone have the link for TU or EQ?
I have posted all three links several times. Let's see if you can find them and then post them again.
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Offline Dr Moose

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Re: Copy of credit report after CC approval
« Reply #17 on: January 29, 2014, 06:46:00 AM »
I have posted all three links several times. Let's see if you can find them and then post them again.
this?
Hey there! I am using DansDeals Forums.

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Re: Copy of credit report after CC approval
« Reply #18 on: January 29, 2014, 06:53:53 AM »
Only on DDF does 24/6 mean 24/5/half/half

Offline MeirS

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Re: Copy of credit report after CC approval
« Reply #19 on: January 29, 2014, 08:11:20 AM »
That's what I was looking for! Thanks!
I guess the search engine in the app isn't as good as the one on the main forum site