04-05-2009 05:36 PM
Internal scoring system? Do you mean that they might base it approval, or denial on what they physically see in the report? as well as the FICO ?
04-05-2009 05:39 PM
04-05-2009 07:30 PM
04-06-2009 08:33 AM - edited 04-06-2009 08:34 AM
Almost every CCC has some sort of internal score algorithm, where they evaluate what's on your report. So some won't touch you with a BK, others if you have too many lates, etc., regardless of your FICO scores.
If there are any banks left that loan solely on the basis of FICO's, they're fools.
Yes you are right, Citibank is one of them..
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