Reply
Established Contributor
killer_queen229
Posts: 722
Registered: ‎08-29-2013
0

Fico score is 716.

[ Edited ]

I just got a denial letter from BOA and the Fico score is 716. :smileyhappy:

And my Freedom card came yay!!


Senior Contributor
baller4life
Posts: 3,599
Registered: ‎09-13-2013
0

Re: Fico score is 716.

Whoa! What were the reasons for denial?


GARDENING: 10/21/14 - 10/1/15 EQ: 644 EX: 688 TU: 709
MY WALLET: $10k NFCU CASH REWARDS|$10k BOA CASH REWARDS|$10k DINER'S CLUB PREMIER
$9k AMEX DELTA|$7.5k NFCU PLATINUM MC|$7k DISCOVER IT|$5k AMAZON|$5k WALMART
$2.5k CHEVRON|$1k BARCLAYS RING|$1k BARCLAYS REWARDS
Established Contributor
killer_queen229
Posts: 722
Registered: ‎08-29-2013
0

Re: Fico score is 716.

Length of time accounts have been established.

Lack of recent installment loan information.

Too many inquiries in the last 12 months.

Length of time revolving accounts have been established. 

 

It's okay, I got better cards than BOA :smileyhappy:.


Established Contributor
hot4u
Posts: 784
Registered: ‎04-21-2013
0

Re: Fico score is 716.


killer_queen229 wrote:

Length of time accounts have been established.

Lack of recent installment loan information.

Too many inquiries in the last 12 months.

Length of time revolving accounts have been established. 

 

It's okay, I got better cards than BOA :smileyhappy:.


Congrats on your Freedom .. Chase is a hard nut to crack..:smileysurprised:

BOA There loss I wouldn't waiste another HP with them Personally

Let the Inquiries start dropping off

Installment loan- It's considered 3rd Tier and helps giving you a Mix Wouldn't worrie about that

Length of Time... See you in Garden Having Chase is Awesome


(Chase)- Freedom, CSP®, United MileagePlus® Explorer, Marriott Rewards® Premier, Penfed cash+ rewards/Promise.
Amex’s- BCE, Hilton and SPG®, NFCU Cash Rewards, FHB Destinations World Elite.
(Citi)- Dividends Platinum Select, Executive/Platinum® Advantage,Hawaiian Airlines World Elite


Moderator
Revelate
Posts: 9,485
Registered: ‎12-30-2011
0

Re: Fico score is 716.

[ Edited ]

hot4u wrote:

killer_queen229 wrote:

Length of time accounts have been established.

Lack of recent installment loan information.

Too many inquiries in the last 12 months.

Length of time revolving accounts have been established. 

 

It's okay, I got better cards than BOA :smileyhappy:.


Congrats on your Freedom .. Chase is a hard nut to crack..:smileysurprised:

BOA There loss I wouldn't waiste another HP with them Personally

Let the Inquiries start dropping off

Installment loan- It's considered 3rd Tier and helps giving you a Mix Wouldn't worrie about that

Length of Time... See you in Garden Having Chase is Awesome


A mortgage is third tier? :smileyhappy:.

 

Installment loans cover a broad range of things, not just consumer finance type accounts.

Starting Score: EQ 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)
Current Score: EQ 04 673, EQ 8 707, TU 720, EX 702* (09/02/14, EX older)
Goal Score: 700 on EQ '04 (01/01/15)


Take the myFICO Fitness Challenge
Established Contributor
killer_queen229
Posts: 722
Registered: ‎08-29-2013
0

Re: Fico score is 716.

Yeah I won't apply with BOA again even when I haven't applied in a long time.


Valued Contributor
CreditMagic7
Posts: 2,742
Registered: ‎01-04-2014
0

Re: Fico score is 716.

Seems pretty expected to me. lol

Sooner or later during an apping stretch comes that Oooops. But no matter. You reeled in some nice prize catches.

Enjoy!
| |

It's All In The Magic Of Your Own Destiny
Established Contributor
killer_queen229
Posts: 722
Registered: ‎08-29-2013
0

Re: Fico score is 716.

[ Edited ]

With a score like that I never thought I had. I did get some nice prizes and I shouldn't feel bad that one company didn't want me to be a customer of theirs.


Established Contributor
hot4u
Posts: 784
Registered: ‎04-21-2013
0

Re: Fico score is 716.


Revelate wrote:

hot4u wrote:

killer_queen229 wrote:

Length of time accounts have been established.

Lack of recent installment loan information.

Too many inquiries in the last 12 months.

Length of time revolving accounts have been established. 

 

It's okay, I got better cards than BOA :smileyhappy:.


Congrats on your Freedom .. Chase is a hard nut to crack..:smileysurprised:

BOA There loss I wouldn't waiste another HP with them Personally

Let the Inquiries start dropping off

Installment loan- It's considered 3rd Tier and helps giving you a Mix Wouldn't worrie about that

Length of Time... See you in Garden Having Chase is Awesome


A mortgage is third tier? :smileyhappy:.

 

Installment loans 3rd Tier * Good for Credit Mix

Mortgage 4th Tier



(Chase)- Freedom, CSP®, United MileagePlus® Explorer, Marriott Rewards® Premier, Penfed cash+ rewards/Promise.
Amex’s- BCE, Hilton and SPG®, NFCU Cash Rewards, FHB Destinations World Elite.
(Citi)- Dividends Platinum Select, Executive/Platinum® Advantage,Hawaiian Airlines World Elite


Established Contributor
toppers555
Posts: 551
Registered: ‎09-28-2012
0

Re: Fico score is 716.

[ Edited ]

killer_queen229 wrote:

Yeah I won't apply with BOA again even when I haven't applied in a long time.

Well you have to realize score is not everything, and if I recall correctly your AAOA was not even a year because you a few weeks were suppose to be waiting to March , and then slow but surely itch got to you.  I would not write off a bank just because they would not apporve you right now, especially BOFA who in my experience has been very good to me.  Just treat your current cards well, and you will be fine. 



TU 715 No apps to 05/13 cash+ 5/13!!! 738 TU CSP April 13!!!CSP approved May 13!!!



myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+
}