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Discussion in 'Credit Talk' started by Concerned, May 3, 2001.
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Please remeber that it is nothing personal, and not a reflection of you as a person..
Sounds like an okay way to say "no".
I got declined by HB, and the letter said it was because of my Equifax report, then it said "derog pub record" "collection" etc etc. I know they didn't get that from EFX - in fact, they had to have checked TU, but they didn't say so. I am in the process of making them say it.
I was under the impression they check EFX, or I wouldn't have applied. The TU report has errors on it.
They also put 2 hard inquiries on my EFX report, and I am disputing that.