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Valued Contributor
bs6054
Posts: 1,673
Registered: ‎11-11-2012
0

Re: DENIED WITH 720 FICO SCORE FOR US BANK CREDIT CARD


Dustink wrote:

Just want to make clear that US Bank is a decent company with fair products. As long as you are responsible with your credit, they will not close your account.


Well, decent and fair for a modern bank, for example:

 

http://www.startribune.com/business/161158595.html?refer=y   $55M settlement for cheating on overdraft fees, June 2012

http://phx.corporate-ir.net/phoenix.zhtml?c=117565&p=irol-newsArticle&ID=1771845&highlight=  $80M for mortgage abuse, Jan 2013

 

Yes, small compared to HSBC, Barclays and Bank of America recent fines, but, except in context, not sure "decent" would apply.

Valued Contributor
Dustink
Posts: 2,980
Registered: ‎10-02-2012
0

Re: DENIED WITH 720 FICO SCORE FOR US BANK CREDIT CARD

Best advice for you. Stop apping, garden for a year or so. As long as your reports are clean, you will be good to go.

Too many INQs & low AAoA so I'm off to tend the Garden.     Age:21    


     $14k          $8.5K          $7.5k          $7.5k         $6.5k             $6k             $5k            $5k             $5k              $5k           NPSL       @ 0%
Frequent Contributor
astritaho1979
Posts: 451
Registered: ‎10-02-2011
0

Re: DENIED WITH 720 FICO SCORE FOR US BANK CREDIT CARD

Look i am working on getting my credit profile here on the forum updated and i have no clue why that 500 was in there and thats why was updated

My credit its been up and down in the past 3 years due to a lot of facts like they lost my file at certen time and the file was all split on equifax and transunion

Clearly the situation as far as credit reporting agencies goes has not been so good at recording credit records properly

I have a good reason to believe what i believe when i say about certen lenders.You and alot of other here dont have to agree with me but everyone has to ristrain them selfs from making unfrendly coments here.


COMMERCE BANK PLATINIUM VISA 20K*PAYPAL MC $9.5K*CITI FORWARD $8.5K*PENFED $6,5K*
*LOWES $6K *CMN BANK $5.2K-*PNC $5K*SCLUB DISC. $5K*
WMART DISC.4K*CMN BANK 3.75K*BANK OF AMERICA $3K* MACYS $2.2K*
JCP $1.8*TARGET $0.7K* UTL1%- AAOA 5.5- TOTAL 12 yrs History/
Transunion 718 Equifax 733- Experian 736
Frequent Contributor
astritaho1979
Posts: 451
Registered: ‎10-02-2011
0

Re: DENIED WITH 720 FICO SCORE FOR US BANK CREDIT CARD

yes i did but what that got to do with what i just say.You are all over my case.Why is that


COMMERCE BANK PLATINIUM VISA 20K*PAYPAL MC $9.5K*CITI FORWARD $8.5K*PENFED $6,5K*
*LOWES $6K *CMN BANK $5.2K-*PNC $5K*SCLUB DISC. $5K*
WMART DISC.4K*CMN BANK 3.75K*BANK OF AMERICA $3K* MACYS $2.2K*
JCP $1.8*TARGET $0.7K* UTL1%- AAOA 5.5- TOTAL 12 yrs History/
Transunion 718 Equifax 733- Experian 736
Regular Contributor
mirachi
Posts: 144
Registered: ‎01-05-2013
0

Re: DENIED WITH 720 FICO SCORE FOR US BANK CREDIT CARD


astritaho1979 wrote:

Look i am working on getting my credit profile here on the forum updated and i have no clue why that 500 was in there and thats why was updated

My credit its been up and down in the past 3 years due to a lot of facts like they lost my file at certen time and the file was all split on equifax and transunion

Clearly the situation as far as credit reporting agencies goes has not been so good at recording credit records properly

I have a good reason to believe what i believe when i say about certen lenders.You and alot of other here dont have to agree with me but everyone has to ristrain them selfs from making unfrendly coments here.


errr no offense but I think your 3 baddies at one point may have also contributed...just sayin' 


Last app 5/7/2014

No apps until 3/31/2016!
Frequent Contributor
astritaho1979
Posts: 451
Registered: ‎10-02-2011
0

Re: DENIED WITH 720 FICO SCORE FOR US BANK CREDIT CARD

Do u even know how credit scores work.

Number 1 if your maxd out your score goes down

Number 2 if the credit agencies loose your trade line and yea they did your score goes down

Number 3 if you opened too many accounts at once your score goes down.hello?

  I hope u understand now why the score was low for


COMMERCE BANK PLATINIUM VISA 20K*PAYPAL MC $9.5K*CITI FORWARD $8.5K*PENFED $6,5K*
*LOWES $6K *CMN BANK $5.2K-*PNC $5K*SCLUB DISC. $5K*
WMART DISC.4K*CMN BANK 3.75K*BANK OF AMERICA $3K* MACYS $2.2K*
JCP $1.8*TARGET $0.7K* UTL1%- AAOA 5.5- TOTAL 12 yrs History/
Transunion 718 Equifax 733- Experian 736
Frequent Contributor
astritaho1979
Posts: 451
Registered: ‎10-02-2011
0

Re: DENIED WITH 720 FICO SCORE FOR US BANK CREDIT CARD

Thanks for clearing that out for some


COMMERCE BANK PLATINIUM VISA 20K*PAYPAL MC $9.5K*CITI FORWARD $8.5K*PENFED $6,5K*
*LOWES $6K *CMN BANK $5.2K-*PNC $5K*SCLUB DISC. $5K*
WMART DISC.4K*CMN BANK 3.75K*BANK OF AMERICA $3K* MACYS $2.2K*
JCP $1.8*TARGET $0.7K* UTL1%- AAOA 5.5- TOTAL 12 yrs History/
Transunion 718 Equifax 733- Experian 736
Valued Contributor
bs6054
Posts: 1,673
Registered: ‎11-11-2012
0

Re: DENIED WITH 720 FICO SCORE FOR US BANK CREDIT CARD


astritaho1979 wrote:

yes i did but what that got to do with what i just say.You are all over my case.Why is that


Try and put yourself in the reader's place.  Without using "quote", so conveniently placed on the right, we don't know what you are replying to.  Makes sense?

Frequent Contributor
astritaho1979
Posts: 451
Registered: ‎10-02-2011
0

Re: DENIED WITH 720 FICO SCORE FOR US BANK CREDIT CARD

i certenly agree with you on that.Its safe to say that some lenders dont like inq and new accounts


COMMERCE BANK PLATINIUM VISA 20K*PAYPAL MC $9.5K*CITI FORWARD $8.5K*PENFED $6,5K*
*LOWES $6K *CMN BANK $5.2K-*PNC $5K*SCLUB DISC. $5K*
WMART DISC.4K*CMN BANK 3.75K*BANK OF AMERICA $3K* MACYS $2.2K*
JCP $1.8*TARGET $0.7K* UTL1%- AAOA 5.5- TOTAL 12 yrs History/
Transunion 718 Equifax 733- Experian 736
Valued Contributor
creditnocash
Posts: 2,236
Registered: ‎07-23-2012
0

Re: DENIED WITH 720 FICO SCORE FOR US BANK CREDIT CARD

this thread like others is just too funny. 

everyone has a right to their own opinion. 

 

@astritaho1979.  why are you getting so upset? its just the internet. 

 

most of us are a fun, easy going, loving community. there are a couple bad apples. 

 

yes everyone can post their  own opinions but we dont have to force them down each others throats. 

aka. yes they are no they are not etc.... 

 

everyone just needs to chill out. 

as stated if your file is fixed i would call the recon lines and ethier explain why you have so many inq's/ new accounts or deal with it and move on. wait the year/2 years when you dont have the new accounts and apply again. 

as long as you pay your bills on time and dont gain too much debt you'll be golden. 

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