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Posts Tagged ‘ loan application ’

Renewing pre-approved car loan likely will cause hard inquiry

  • March 14th, 2012
  • Posted in Credit Reports

Dear Experian, I applied and was approved for an auto loan through my credit union, which I have numerous accounts with - mortgage, savings, money markets, and credit cards. Twice I've let the preapproved loan expire and asked to have it re-approved. I have not made a decision on a car. Each time I have it re-approved I get a notice that includes my credit score. It's always really good. Am I harming my credit scores by letting the loan offer expire and resubmitting again? I need to do this for a third time (and this time I plan to use it!), but wondered how this fits into what you've told us before about inquiries with "existing creditors." - LGD[ READ MORE ]

Declination notice received after withdrawing loan application

  • August 3rd, 2011
  • Posted in Credit Reports . Credit Scores

Dear Experian, I withdrew an application for credit from a national bank on the same day of my request. They still sent me the packet, and then several days later they sent me a declined notice. Does this affect my credit score? - CHR[ READ MORE ]

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    Welcome to Ask Experian, hosted by Maxine Sweet, Experian's Vice President of Public Education. The blog responses draw on the knowledge of Experian's experts in credit reporting, credit scoring, direct marketing, automotive history, identity theft and other areas from across the company to answer readers' questions about these and other important topics.

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