Does a bank inquire into your credit report when you apply for a secured credit card?

paristoys asked:


I don’t want an inquiry to go on my credit report if I get a secured credit card. So I am hoping that the bank that I apply at will not look up my credit report, leaving an inquiry on there.

Kansieo.com

Tags: Credit Report, Secured Card, Secured Credit Card

This entry was posted on Sunday, March 15th, 2009 at 2:22 pm and is filed under Free Credit Reports. You can follow any responses to this entry through the RSS 2.0 feed. You can leave a response, or trackback from your own site.

4 Responses to “Does a bank inquire into your credit report when you apply for a secured credit card?”

1. Dough Says:
   March 17th, 2009 at 10:58 pm

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   9 times out of ten they will check your credit either way.

2. Rocky S Says:
   March 19th, 2009 at 6:54 pm

   Create a video blog…instantly.

   If they ask for your social security no they will check your credit.

3. ruaclevermind Says:
   March 22nd, 2009 at 6:59 pm

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   This secured card does not, and it builds your credit history:

   You can always delete inquiries just as easy as they were placed by using this pretyped letter…

   Here is a good article on building credit:

4. teenriodoll Says:
   March 23rd, 2009 at 10:40 pm

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   Some still pull a credit report but some don’t. A better way to do it is to ask the credit manager at the bank ahead of time. Or open a savings account and collateralize it. Make payments on the secured loan on time with the bank, later you go back and get a secured credit card. Credit Unions are good for this type of situation.

   GOod Luck

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