Credit Cards Center Credit cards from our partners
Reply
Member
Posts: 23
Registered: ‎03-26-2011
0

Re: Internal Scoring?

Thanks Uborrow-Upay, that was very nice of you.

 

Have a good evening.

Valued Contributor
Posts: 1,997
Registered: ‎01-24-2012
0

Re: Internal Scoring?


EC341 wrote:

Thanks for your reply but the contradictory statement says the agency played no part in their decision ie; don't go complaining to them since it won't matter. It's all quite a little scam they have going when you think about it. They can say whatever they want and just use the broad term internal scoring.


FICO is the scam if you ask me. Do yourself a favor and save your time and money. As you said, a lot of lenders use their own internal scoring and I know that Chase cares more about the actual report than the score when doing a manual review. Even if you buy your score and see you have a 750 it does not guarantee you will get the card. If anything, I would just look at reports before applying to make sure that everything is correct.

 

Are you sure you spoke to an analyst? The number listed on this site does not seem like it actually goes to an analyst so the person you spoke to may not have even been able to see why you were denied.

Valued Contributor
Posts: 2,708
Registered: ‎10-16-2008
0

Re: Internal Scoring?


EC341 wrote:

Thanks Uborrow-Upay, that was very nice of you.

 

Have a good evening.


And you, too!

 

If there's a "Happy Score" in any of this, I hope that we'll all be at 850!

 

Smiley Happy

 

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.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

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.