sticf wrote:I applied for mine from an application at the check out from Sears back around 1993 (fresh back from Okinawa). Like OOXS stated had to fill it out and mail it in.
Then you had to wait weeks to find out if you were approved or not. If not there was just a letter "Sorry but at this time... blah, blah blah." They did not have to tell you anything about why or your credit score. I am not sure if you were allowed to pull your credit report for free after being rejected. Things have changed in the past 20 years in the credit world.
nowadays you are allowed to 1 free credit report from all the bureaus each year. in those days if you were turned down for a mortgage or a credit card you could get free credit reports.
so let's say for example in 1 year you were denied a mortgage, 2 or so months later you were denied a gold optima, 3 months later you were denied a chase card. you would have been able to get a free credit report (I don't know if from all 3 bureaus but at least 1).
whereas today you get a copy of all 3 bureaus, then you get turned down for a Delta gold or a Citibank american airlines card, even if you applied for the cards 60 days apart, even if you get turned down for cards you can't get another 1 for free.