Legal Question in Credit and Debt Law in California

Can a creditor legally take a credit card application, run the credit check and then NOT notify you whether you are approved or not? I applied for a Walmart Card through GEMB in Nov 2009 and they gave me a confirmation number and said they would send me something in the mail within 7-10 days. But nothing ever came, I even wrote them a letter 30 days 12/2009 later telling them that I didn't appreciate that they reported the credit check on my credit report but couldn't contact me to let me know whether it was an approval or denial. They still never wrote back. Can they legally do that? I thought the consumer or applicant MUST be notified either way....is that right?


Asked on 1/20/10, 7:33 pm

1 Answer from Attorneys
Grenville Pridham Law Office of Grenville Pridham

The Fair Credit Reporting Act requires that a notice of denial (adverse action) be sent to you.

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Answered on 1/26/10, 3:41 pm


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