Posts Tagged "declination"

Dispute results letter is sent automatically

Dear Experian,

Can I get a letter about the results of a dispute after the 30 day mark? I am trying to buy a house and they need the letter.

– KLZ

Fraud alert stopping satellite TV application

Dear Experian,

I cannot sign up for satellite television because they say we have a fraud alert attached to our credit history. We do not need a fraud alert. How do we get rid of it?

– FCS

Credit denied due to bankruptcy public record

Dear Experian,

My husband and I had our bankruptcy discharged in March 2012. We are still getting refusals for any type of credit we have tried to apply for, no matter how small. We have one credit card we have never been late on. It has a limit of only $1,500.00, and we have always paid it off so have not been charged any interest. Our denials all state “due to public record.”

– BDJ

Mortgage application denied because of inactive credit history

Dear Experian,

How can I get my credit file updated? I have paid off two loans and made every payment on time. However, when I tried to get preapproved for a home loan I was told my credit report was inactive because there has been no change to my report in six months.

– PAT

No credit history cause for declination, not lack of credit score

Dear Experian,

I moved to the U.S. two years ago and have since applied three times for a department store card. Requests got denied because I apparently didn’t have a credit score. I also applied for a secured credit card which got approved, and I am slowly starting to build my credit score. Unfortunately, I already have four hard requests. How can I remove older requests that were denied due to the missing credit score?

– MPC

Declination for young adult may be result of federal law but won’t hurt scores

Dear Experian,

My daughter applied for a student credit card but was turned down due to insufficient income and excessive obligation. She had no previous credit history. Does this create a credit history, and is it now adversely affected?

– JTL

Being turned down for credit does not hurt credit scores

Dear Experian,

I was told that every time you get turned down for credit that your score goes down. Is this true?

– STI

Free report for loan declination does not restart clock for FACT Act free report

Dear Experian,

I pulled a credit report because of a declined application. Does that restart the clock for the annual report, or are they separate events?

– WLS

Requesting a free report after application is declined

Dear Experian,

I just had my credit run for a credit card and was denied. The lender said Experian was used to check my credit and I am entitled to a copy of my credit report. How do I get this?

– LMS

Getting a free credit report after being declined

Dear Experian,

I have been denied credit. Can I get a free copy of my credit report?

– KHO

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