cancel
Showing results for 
Search instead for 
Did you mean: 

(UPDATE)UNABLE TO APPROVE = DENIED? Score pulled was 750 TU FICO

tag
Anonymous
Not applicable

(UPDATE)UNABLE TO APPROVE = DENIED? Score pulled was 750 TU FICO

So I applied to US Bank Flex travel rewards.  Not the greatest rewards but they were offering something I use (Regus office suites and the offer was to get $450 off the price after spending $3,500 on the card after 90 days)  Applied and received unable to approve.  Was shocked as I don't get rejected that often LOL.  I called and asked what the reason was for rejection.  Analyst put me on hold and came back and said it was the computer. Call back in 7 days he said.  I was like Smiley Surprised..

 

I am a bit purturbed by this.  How should I approach this?  I am over the card already and will like the inquiry removed.  Do I have a chance?

 

UPDATED:  Approved for 6k.  I will take it and you guys rockSmiley Happy

Message 1 of 42
41 REPLIES 41
CreditCuriosity
Moderator Emeritus

Re: UNABLE TO APPROVE = DENIED? Score pulled was 750 TU FICO

US Bank manually reviews all applications for the most part... They don't like new accounts.. How many of your new accounts are reporting?  I bank with them and get invitations all the time to apply, but I know better then to test my luck with them with a meh credit report and new accounts..  My luck I would get a 1k limit if I was lucky.

Message 2 of 42
Creditaddict
Legendary Contributor

Re: UNABLE TO APPROVE = DENIED? Score pulled was 750 TU FICO

1. Didn't they pull EX?

2. you aint getting the INQ removed so you my as well either walk away from it or fight to get it!

Message 3 of 42
CreditCuriosity
Moderator Emeritus

Re: UNABLE TO APPROVE = DENIED? Score pulled was 750 TU FICO

Depends where you live certain areas of country it is EX other areas are TU...

Message 4 of 42
Creditaddict
Legendary Contributor

Re: UNABLE TO APPROVE = DENIED? Score pulled was 750 TU FICO


@CreditCuriousity wrote:

Depends where you live certain areas of country it is EX other areas are TU...


wish they had pulled TU for me!

Message 5 of 42
Anonymous
Not applicable

Re: UNABLE TO APPROVE = DENIED? Score pulled was 750 TU FICO


@Creditaddict wrote:

@CreditCuriousity wrote:

Depends where you live certain areas of country it is EX other areas are TU...


wish they had pulled TU for me!


I live in CT and they pulled TU.  

Message 6 of 42
Anonymous
Not applicable

Re: UNABLE TO APPROVE = DENIED? Score pulled was 750 TU FICO


@CreditCuriousity wrote:

US Bank manually reviews all applications for the most part... They don't like new accounts.. How many of your new accounts are reporting?  I bank with them and get invitations all the time to apply, but I know better then to test my luck with them with a meh credit report and new accounts..  My luck I would get a 1k limit if I was lucky.


Only 2 new accounts reporting for now.. other 3 (ritz, delta and discover not yet)Smiley Tongue.  This sucks..

Message 7 of 42
TRC_WA
Senior Contributor

Re: UNABLE TO APPROVE = DENIED? Score pulled was 750 TU FICO



2. you aint getting the INQ removed so you my as well either walk away from it or fight to get it!


That.  ^

FICO8 current as of : 4-17-24 EQ: 724 TU: 707 EX: 706
Hard INQs last 12 months: EQ: 5 | TU: 8 | EX: 9
Verizon Visa $8500 Amex Delta Reserve $10,000 Care Credit $18,000
NFCU CashRewards $7500 Apple Card $7000 Best Buy $8000 Amazon $5000
NFCU auto loan (2022 Ford Bronco Sport Badlands - Cactus Gray) 6.95%
NFCU motorcycle loan (2024 Harley Davidson Road Glide - Alpine Green & Chrome) 9.45%
Total CL: $64,000 --- Total CC UTI: 27% --- AAoA: 5.5 years --- Income: $200k
Last app: 4-6-24
Message 8 of 42
Anonymous
Not applicable

Re: UNABLE TO APPROVE = DENIED? Score pulled was 750 TU FICO


@TRC_WA wrote:


2. you aint getting the INQ removed so you my as well either walk away from it or fight to get it!


That.  ^


I suppose.. I just have be ready to fight then.  I don't have a lot of patience but will give it a shot. Will keep you guys posted.  Thanks for the responses.

Message 9 of 42
CreditCuriosity
Moderator Emeritus

Re: UNABLE TO APPROVE = DENIED? Score pulled was 750 TU FICO

I bet you made a big bad mistake!!!

 

Freeze your ARS/IDA reports...  Guranteed the denail was due to ARS/IDA reports... They track your inquiresSmiley Happy.. Do a google search on ARS freeze and enlighten yourself on US BANK Smiley Happy

Message 10 of 42
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.