Misc Credit Card Questions

[zlt123]

you could get a free report evrey time you get deneid even if in the end you do get approved vie recon

[dealfinder85]

Game changer! Only thing is that I must be right on the 90 day cut off. Need to check at home. #nervous

im confused
you get your initial report from freecreditreport?

[benjie1305]

im confused
you get your initial report from freecreditreport?

Yes. Get the report # and use that on EX from what I understand.

[dealfinder85]

Yes. Get the report # and use that on EX from what I understand.

this only works for experian? or you are just speaking in terms of what matters in ny area for the most part.
what do you do on the EX site once you have your credit report from FCR.com?

[benjie1305]

this only works for experian? or you are just speaking in terms of what matters in ny area for the most part.
what do you do on the EX site once you have your credit report from FCR.com?

Once you get the experian one you can go to experian.com/viewreport,and as long as you go less than 90 days later you can constantly pull an updated version.

[dealfinder85]

where is the report number

[noturbizniss]

im confused
you get your initial report from freecreditreport?

Not freecreditreport.Com annualcreditreport.Com

[dealfinder85]

since i got it from freecreditreport, i cant get it from annualcreditreport

[clear thinker]

you could get a free report evrey time you get deneid even if in the end you do get approved vie recon

I can't see why u can't request ur credit report even if u weren't denied just for applying, u think experian knows if I actually got approved right away?
Anyone agrees with me?

[zlt123]

i also tought so at first but then i chaped that the new account gets reported to the CB so thats mabey how they know that u were approved, But then again mabey it was approved vie Recon?! so i dont know but by lew its only if you were decleind

[TimT]

I can't see why u can't request ur credit report even if u weren't denied just for applying, u think experian knows if I actually got approved right away?
Anyone agrees with me?

This from a few years ago

[clear thinker]

I can't see why u can't request ur credit report even if u weren't denied just for applying, u think experian knows if I actually got approved right away?
Anyone agrees with me?

i also tought so at first but then i chaped that the new account gets reported to the CB so thats mabey how they know that u were approved, But then again mabey it was approved vie Recon?! so i dont know but by lew its only if you were decleind

@saver2000 agrees with me.
http://forums.dansdeals.com/index.php?topic=17068.msg240839.msg#240839
Tnx @TimT

[yuguy]

Have you confirmed that it was not a new pull?

Was able to check EX and yes, just one pull on the original application date of Jan. 19, 2015!

[noturbizniss]

since i got it from freecreditreport, i cant get it from annualcreditreport

you can get it from annualcreditreport once a year, regardless of other reports you may have gotten, IINM.  If you already got it in the last 365 days from experian through annualcreditreport then you have to wait.

[rs242]

i had a low credit limit on my spg so i requested a increase do they do a pull for that?

[avromie7]

i had a low credit limit on my spg so i requested a increase do they do a pull for that?

they shouldn't unless they tell you

[Chapshnell]

Sometimes its a soft pull YMMV

[Dr Moose]

i had a low credit limit on my spg so i requested a increase do they do a pull for that?

yes

[avromie7]

i had a low credit limit on my spg so i requested a increase do they do a pull for that?

Sometimes its a soft pull YMMV

yes

When I got an increase I definitely didn't get a hard pull maybe I got a soft pull I would have no way of knowing because each hard pull I can match to a card but I don't know anything about all the soft pulls (who cares about the soft pulls)

[noturbizniss]

barclays is a hard pull for increase if you ask for it.