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

Regular Contributor

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

Is your EX score similar to your TU?


TU Fico 736 EQ Fico 730 (December 2012)
Message 11 of 20
Super Contributor

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

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

 

 

Ron.

Message 12 of 20
Regular Contributor

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)
Message 13 of 20
Super Contributor

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

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

 

 

Ron.

Message 14 of 20
Senior Contributor

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


blacklotus wrote:

I'm not understanding this.  

 

Have you tried with Amex?


Why?

IAALBNYL
Message 15 of 20
Regular Contributor

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)
Message 16 of 20
Regular Contributor

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

06:

 

His Fico Scores are like through the roof is why.


TU Fico 736 EQ Fico 730 (December 2012)
Message 17 of 20
Senior Contributor

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
Message 18 of 20
Moderator Emerita

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
Message 19 of 20
Highlighted
Established Contributor

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

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

Message 20 of 20