Am I still entitled to free credit score if app was APPROVED?

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Victorleo
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Am I still entitled to free credit score if app was APPROVED?

Postby Victorleo » Tue Apr 17, 2012 4:05 pm

Hello I'm new to the forum and have a few questions.

I recently applied for a Chase bank Hyatt Visa card. This is my first Visa in over five years. I had a bad experience with my former credit union and canceled my previous card. So for the last five years I have been using American Express exclusively. Amex has been great except for the fact that some of my favorite small businesses did not take it.

So when I receive a solicitation from my favorite hotel I jumped at the chance to for a new card. During my initial application a message appeared telling me I was approved but I never revived any kind of email. The next day I called a CSR and he told me the app was under review for credit limit. I assumed that was a nice way of telling me I was denied.

Fast forward Thursday I called a "back door" phone number and was told I was approved for 8K and should received my card in two weeks. :ppp

My questions are. I know you are entitled to a free credit report when you are denied but does that apply when your application is accepted?

Also I didn’t include dividend income I receive from REITs or my brokerage account in the application. Should I have included it? It's been a while since I applied for a credit card I assume the banks are aware of all my activity considering the new reporting rules from DHS.

Lastly this is my first Visa Signature, any tips?


JCarter
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Postby JCarter » Wed Apr 18, 2012 3:31 pm

Victorleo wrote:I know you are entitled to a free credit report when you are denied but does that apply when your application is accepted?


You're entitled to verify that indeed everything is accurate when you initiate new credit. However this is a credit report, not a score.

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Victorleo
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Postby Victorleo » Wed Apr 18, 2012 5:45 pm

Thank you JCarter. Now this is not the same as the free annual report, correct? And any tips on how to order the report.

OT. I received a email informing me my card was in route.

JCarter
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Postby JCarter » Wed Apr 18, 2012 11:14 pm

Victorleo wrote:Thank you JCarter. Now this is not the same as the free annual report, correct? And any tips on how to order the report.

OT. I received a email informing me my card was in route.


Victorleo,

Write or call the credit bureau requesting the report. State that you have had recent credit transactions which created an inquiry on your report and to ensure your report is correct you are requesting a free copy of your credit report.

It's a painful process, but so is requesting one upon denial of credit.



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