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Established Member
Posts: 18
Registered: ‎02-12-2014
0

Denied credit card

Hi to all MyFico members

 

recently i applied to the Teamsters  credit card and got denied . In the email they send me they state my equifax score is 618 but i checked my fico equifax score today and it is 702.. now i applied for the card on 2/15/14 and checked my fico score today on 2/22/14 could a couple of days really increase my total score like that ? I just paid a $423 balance on a $1000 CL

$3,000$4,000 $3,500 $1,000 $1,700 $1,300 $3,000 My Fico scores EX674,EQ702,TU729
Regular Contributor
Posts: 176
Registered: ‎03-27-2013
0

Re: Denied credit card

Did you any alerts stating the reason(s)for the increase?

Moderator
Posts: 27,936
Registered: ‎12-13-2013
0

Re: Denied credit card

Unless that CC balance has updated at the CRA it would not make a difference, its probably due to a difference in FICO Models being used to generate the score, its also possible the score you were given with the decline is an internal model and not a FICO at all, if it doesnt say FICO its not a FICO.


EX Fico 08 Bankcard 08/16: 811 (+7) EX Fico 8; 783 (0)
TU Fico 8 08/16: 777(-3)
EQ Fico 8 08/16; 778 (0)
Mega Contributor
Posts: 17,101
Registered: ‎08-08-2011
0

Re: Denied credit card

[ Edited ]

gdale6 wrote:

Unless that CC balance has updated at the CRA it would not make a difference, its probably due to a difference in FICO Models being used to generate the score, its also possible the score you were given with the decline is an internal model and not a FICO at all, if it doesnt say FICO its not a FICO.


+1 Welcome to the forum!

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