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If you are denied credit because of an error in your report, what do you do once it's fixed?
Obviously, I can just re-apply for credit with the same company, but that would result in another "hard inquiry" and lower my score. Is there some way to get the bank to check your corrected report without damaging your score? If so, how do you go about it?
2 Answers
- Anonymous1 decade agoFavorite Answer
Try calling up the creditor and telling them about the situation. They may try to do a "soft inquiry" as they normally do to raise credit limits and perhaps approve you on this. If not, reapplying isn't as damaging as people think. Inquiries have an effect on overall scoring but it is very low. The only bad thing would be if you had lots of inquiry in a short period of time.
- 1 decade ago
It won't ding you too much to do a hard inquiry, and after awhile this too will disappear.
I would just reapply and not worry about it.
Source(s): http://www.creditsuperstars.com/
