Credit Card Application Results (2)

Author: Acclaimed
Joined: 19 Feb 2005
Posts: 3
Posted: Sat Feb 19, 2005 8:02 pm

Name of institution : Discover

Score : 715 plus score from Experian.

CRA pulled : Experian

Limit : 8000

State :IN

I was very happy for the limit. This is my highest limit so far. I have a 2 year credit history. This is a very informative forum. Thanks for all your contribution.

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Author: creditbuilder
Joined: 07 Feb 2005
Posts: 12
Posted: Tue Feb 22, 2005 11:40 am

bank: Citi dividend platinum select
App./Den. Denied
CRA: Equifax
State: GA

Reason: The CRA serving your area has reported no credit history for you. I guess capital one doesn't report to Equifax.

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Author: NightStar
Board Monitor
Joined: 07 Nov 2003
Posts: 2580
Location: Illinois
Posted: Tue Feb 22, 2005 3:12 pm

Capital One does report to Equifax, you need to obtain copy of your credit report and make sure that they are - number is 800-685-1111 for Equifax to order credit report.

Let the creditor know if it is missing... so they can fix this mistake.

Might also be that Citi don't consider you to have enough history to your credit as well.

Best Regards,
Pammila Phillis
Board Monitor
U.S. Citizens for Fair Credit Card Terms, Inc.
http://www.cardratings.com
501-663-0314 PH
501-663-0033 FX

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Author: creditbuilder
Joined: 07 Feb 2005
Posts: 12
Posted: Tue Feb 22, 2005 3:55 pm

I thought about that, but I have been denied for that reason in the past and it said "insufficient credit history". This letter stated "no credit history".

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Author: NightStar
Board Monitor
Joined: 07 Nov 2003
Posts: 2580
Location: Illinois
Posted: Tue Feb 22, 2005 4:54 pm

Definitely obtain your Equifax credit report with the number I provided, they will mail it out within 24 hours. And that way you will get phone number and file number to access customer service if you need to call the agency direct for help.

You can also contact Capital One customer service, forward them a copy of the credit report - showing that the account is missing, and request that they update their tapes... ask for their reporting department or manager that can help with this matter.

Best Regards,
Pammila Phillis
Board Monitor
U.S. Citizens for Fair Credit Card Terms, Inc.
http://www.cardratings.com
501-663-0314 PH
501-663-0033 FX

View our latest credit card ratings!