- Centurion Member
- Posts: 3941
- Joined: Thu May 08, 2014 7:42 pm
- Location: United States
If you apply for a card and are either declined or get a higher APR than other people get, issuers inform you which bureau(s) they pulled and what the FICO scores were.
In the same document, issuers say "Under federal law, you have the right to obtain a copy of your credit report(s) without charge for 60 says after you receive this notice" and then they give the address of the bureau who report they pulled.
It is also the case that consumers can view, for free, their credit report once with each bureau each year. For example, say you viewed TU on Jan 10, 2014. You can then view it again as early as January 10 (or maybe 11th), 2015. If you don't see it in January 2015, but wait until February 1, 2015 to view it, then the next time you view it for free has to be on or after February 1, 2016. This case assumes there are no new applications for credit.
Please let me know if any of that so far is wrong.
Now for my actual question:
After you've been declined or gotten sub-optimal terms on a credit card, and you get a credit report by contacting the bureau and mentioning the 60-day notice, is that report an 'extra' that doesn't reset your schedule of free reports?
For example: Say I get my EX report as part of my yearly right in Jan 2015. I apply for a card in April 2015, they pull EX, and I get sub-optimal terms. I think I could get a free copy of EX in the next two months (until around June 2015).
But...am I eligible for my next free EX report in Jan 2016 or April 2016? Or even early June 2016 if that is when I actually submit the request?
The hour is very late but I wanted to come on here and ask before I forgot, so I apologize if I'm unclear.
Keeping indefinitely: IHG, SchwabPlat, CSP, Discover, Freedom, ED, BCE, Hyatt
May close or PC: Prestige, Arrival, BrooksBros
AA Platinum converting into Costco
Might add: Proper business card, CSR, Ritz, Delta Gold, First Tech
Letting new accounts cool off since May