@jtw34240 wrote:I was wondering if anyone knows which score version of equifax cabelas uses for credit line increases. I have a myfico subscription and it shows my fico 8 at 718 as of today. I ordered a new report just to check it. In all the versions that are included with the report nothing is less than 700. yet cabelas club says my score is 675 and there is an inquiry from today. they denied my increase also the same 3 months ago same reason low score yet everywhere i look i am over 700. i wonder if they are lying to me just for some reason they don't want to give me an increase. perfect payment history with this card for 14 months been at 500 ever since. i have cards 5k, 8k, 10k, 5.5k etc etc except cabelas won't budge. i wrote an email to their ceo explaining my dissatisfaction with their card. probably won't make a difference. anyone know what they use fico next gen?
That 675 is probably derived from the lenders own internal scoring algorithm, and may not even be related to any FICO score. (I can't remember who the lender is for Cabela's.. I think Synchrony?). Some lenders have their own proprietary scoring model that takes info from CRA's, adds in their own internal data and spits out a number that's nowhere near what FICO comes up with.
