07-12-2010 05:13 PM
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.
07-13-2010 09:29 AM
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.
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.