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Regular Contributor
blacklotus
Posts: 235
Registered: ‎02-14-2010
0

Re: Did I get denied for USAA Amex??????

Is your EX score similar to your TU?


TU Fico 736 EQ Fico 730 (December 2012)
Super Contributor
Ron1
Posts: 5,462
Registered: ‎05-23-2009
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Re: Did I get denied for USAA Amex??????

Yes. My TU score was 768 as of July 1.

 

 

Ron.

Regular Contributor
blacklotus
Posts: 235
Registered: ‎02-14-2010
0

Re: Did I get denied for USAA Amex??????

I'm not understanding this.  

 

Have you tried with Amex?


TU Fico 736 EQ Fico 730 (December 2012)
Super Contributor
Ron1
Posts: 5,462
Registered: ‎05-23-2009
0

Re: Did I get denied for USAA Amex??????

Yes. I got approved for Amex Zync and Blue. USAA Amex is my backup card.

 

 

Ron.

Senior Contributor
O6
Posts: 3,626
Registered: ‎10-13-2009
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Re: Did I get denied for USAA Amex??????


blacklotus wrote:

I'm not understanding this.  

 

Have you tried with Amex?


Why?

IAALBNYL
Regular Contributor
blacklotus
Posts: 235
Registered: ‎02-14-2010
0

Re: Did I get denied for USAA Amex??????

I'd shrug it off then.  Why would you want three Amex cards and a World M/C???


TU Fico 736 EQ Fico 730 (December 2012)
Regular Contributor
blacklotus
Posts: 235
Registered: ‎02-14-2010
0

Re: Did I get denied for USAA Amex??????

[ Edited ]

06:

 

His Fico Scores are like through the roof is why.


TU Fico 736 EQ Fico 730 (December 2012)
Senior Contributor
O6
Posts: 3,626
Registered: ‎10-13-2009
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Re: Did I get denied for USAA Amex??????


blacklotus wrote:

06:

 

His Fico Scores are like through the roof is why.


That's true.  Still, I think there are very, very, very few lenders who decision an application based exclusively on FICO scores. 

 

There are many lenders who are INQ sensitive -- even more so than USAA -- and just because one has a high FICO and / or high income doesn't necessarily mean a potential lender feels comfortably adding to an already (in their view) more than sufficient availability of credit. 

IAALBNYL
Moderator Emerita
Community Leader
Epic Contributor
haulingthescoreup
Posts: 28,098
Registered: ‎04-01-2007
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Re: Did I get denied for USAA Amex??????

Interesting that USAA pulled EXP (Experian, or EX as we call it here) instead of EFX (Equifax, or EQ as we call it here.)

 

That's very unusual for USAA. Although they have softed me before on EX.

 

Anyway, maybe OP just needs to cook with USAA for a bit, until they see what his usage pattern is.

* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
Established Contributor
FaircreditguyFL
Posts: 665
Registered: ‎03-31-2007
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Re: Did I get denied for USAA Amex??????

They pulled EQ on my credit products - signature loan, AMEX, WMC.


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