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How to get Experian FICO score after denial

Valued Contributor

Re: How to get Experian FICO score after denial


SwiftTone wrote:

I recently got denied for a Chase account. I thought they would send me my EX FICO score in the denail letter but they didn't. Is there a way I can get it after getting denied?i know EX FICO is not available for purchase anymore by consumers.

 

thanks



Did you try for a recon?  Chase is recon-friendly and it's always worth a shot.  I think I got my "score" from them but it wasn't FICO (unless I'm mixing them up with Citi...).

11/30/08 TU 648 EX 672 EQ 656 SEPT 2014 TU 787 EX 789 EQ ???
Amex BCP $24.1K/Clear $8.5- Sallie Mae $27.5 -Cap One QS $7.5 - Chase Freedom $7.5/United $5k/CSP $20k/Ink- Citi DP $9.5/Dividend $13k/HHHx2 $15k/16.4/Reserve $4.5k Best Buy $1940 HD $1701- Discover IT $15k - Elan $8k GEMB Lowes $20k - Macy's $2k - Kohl's $800




Starting Score: 648
Current Score: 736
Goal Score: 765


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Regular Contributor

Re: How to get Experian FICO score after denial

My chase denial letter states:

 

Scoring system name: FICO® score

Source: Experian

Date calcuated: 03/14/2012

Your credit score: 728

 

Not sure if this is a true FICO or if it's internal, but it clearly says FICO scoring system. This was on a Freedom app.

Capital One Journey (12/2010) | Chase Freedom (03/2012) | American Express Zync (03/2012)

Gardening since 03/2012
Experian score: 752 (6/2014)
Valued Member

Re: How to get Experian FICO score after denial


SwiftTone wrote:

I recently got denied for a Chase account. I thought they would send me my EX FICO score in the denail letter but they didn't. Is there a way I can get it after getting denied?i know EX FICO is not available for purchase anymore by consumers.

 

thanks


Do you have any family members that live in PA? Do you live in PA?

02/01/12: EQ FICO 741 TU FICO 709 EX 704 (Amex pull)
02/01/12: FAKO TU 765/EX 763/EQ 764
GOAL: 760+

Wallet: Penfed Platinum Visa: $20k, Chase Sapphire Preferred $18k, Amex Blue Sky $14K, B&N MC $12.4K, Amex BCE $8k, Amex Gold, Amex Green, Citi Diamond Preferred $8.3k, Priceline Signature $5k, USBank Cash+ $5k, Chase Amazon $1.1K, Sleepys $5K, Best Buy $2k, Walmart Discover $1.3k
Established Contributor

Re: How to get Experian FICO score after denial

Maybe they only give a score(fico or not) if you were denied based on your FICO score.

AMEX: $0/$25,000, CSP: $0/$6500, Chase Priority Club: $0/$3500, Freedom: $0/$6000, Barclays NFL: $0/$7000 Discover: $0/$14,000, Citi Dividend: $0/$3500

EQ FICO - 728
TU FICO - 743
EX FICO(AMEX) - 712
Valued Contributor

Re: How to get Experian FICO score after denial


SwiftTone wrote:

Maybe they only give a score(fico or not) if you were denied based on your FICO score.


+1  I belive this is accurate.  If you are denied credit or receive less than optimal terms based on your credit score then they are supposed to provide you with your score.  If you are denied for other reasons, say flat out denial because of BK, they didn't consider your score so they don't have to provide it. 


CH 7 Filed 7/27/15 Discharged 11/16/15
Starting Score: EQ 620 TU 568 EX 593
Current Score (07/13/16): EQ 674 TU 649 EX 674 (FICO's 08)
Cap1 QS ($5350) (Combined QS and QS1) Discover It ($4100) MilStar ($8,600) Fingerhut ($800)
Off to the garden 05/01/16
Super Contributor

Re: How to get Experian FICO score after denial


kjm79 wrote:
+1  I belive this is accurate.  If you are denied credit or receive less than optimal terms based on your credit score then they are supposed to provide you with your score.  If you are denied for other reasons, say flat out denial because of BK, they didn't consider your score so they don't have to provide it. 

H.R. 769 has not been passed yet as far as I know.  If you were refused credit for say having too much CC debt, does it realy mater what your score was?  Also if they use an internal scoring mechanism, blacklist what good would it do to know it?

 

Even if a CCC denies your credit because of a minimum score and doesn't care what else is on your CR, a copy of your CR will lead you to repair it and you would still need to get your score later on in order to see if you meet the minimum yet.

 

It is always good to know as much info about your credit but as I have said many times before, focus on the content of your CR and the scores will take care of themselves.

10/17/2017 FICO: EQ 829 TU 830 EX 826
Valued Contributor

Re: How to get Experian FICO score after denial

they pulled TU for me both times and provided me with a score

NFCU plat 5k | NAVCHECK 5k | NFCU cashrewards 15k | BOFA 123 6k |
Chase Freedom 1.5k | Amazon 3K | Walmart 3K | Buckle 300 | AMEX BCE 2.5K | CHASE CSP 12K | CITI sears 6k | Kay 2k

On the prowl for Chase Sapphire Preferred! APPROVED 12K!
scores 7/14 647 622 630 (85%util)
scores 8/14 767 760 758 Boom! finally in the 700 club