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Senior Contributor
Posts: 6,276
Registered: ‎08-16-2012
0

Barclay's score??

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

Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Mega Contributor
Posts: 15,442
Registered: ‎04-09-2011
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Re: Barclay's score??


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


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

 




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Regular Contributor
Posts: 179
Registered: ‎01-17-2008
0

Re: Barclay's score??

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
Senior Contributor
Posts: 6,276
Registered: ‎08-16-2012
0

Re: Barclay's score??

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!
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Senior Contributor
Posts: 6,276
Registered: ‎08-16-2012
0

Re: Barclay's score??

Them* 3.99%*
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
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