Credit Cards

[youngandcreditwrthy]

What score do they use??

I requested a cli on my Travelocity Amex....

and I got a denial...

stating my score is 674 on a scale of 300 - 850....

so I just want to know what score they use? It doesn't say FICO...... I know my FICO is 696 on TU.

I'm just a little confused? lol

[LS2982]

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youngandcreditwrthy wrote:

What score do they use??

I requested a cli on my Travelocity Amex....

and I got a denial...

stating my score is 674 on a scale of 300 - 850....

so I just want to know what score they use? It doesn't say FICO...... I know my FICO is 696 on TU.

I'm just a little confused? lol

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The score they used looks like a FICO but probably a different version then you seen.

[mr_postman]

I think Barclays uses the same fico they sell here at myfico.com when I app for Barclays send me the same score here at myfico .com but my Walmart fico is about 25 points higher

[youngandcreditwrthy]

Well it's weird bc none of my fakos have changed.
Aaaand the first time I got denied a cli, the score was exactly the same as my real TU fico, even the one on Walmart. Maybe they don't use the TU08 version? Guess I need to pull my report. My reasons for cli denial were something like..."bal on this acct too high" and "too many bankcards with balances" guess letting a few cards report with teeeennyy weeennyy balances for activity purposes is bad. Haha I owe the $4600 with a $6500 limit. Oddly enough I got a 3.99% bt offer from them, so I'll prob pay off that $4600 bal and then write myself a check for $4,000 with that 4.99% offer hahha!

[youngandcreditwrthy]

Them* 3.99%*