02-23-2013 11:28 AM
I applied for a Kohls charge and it says they pulled experian with a score of 654. Is this a faco score or my actual score with experian? ( recived a letter in the mail from kohls stating why i was declined and it says who pulled the report and included my score)
Thanks for the help
02-23-2013 11:42 AM
I believe this is a FICO score from the lender. It will say what the scoring model they used. If it is out of 850 (highest) then its FICO.
02-23-2013 11:54 AM
i dont remember what it was becuase it was over a year ago. but trust me unless you shop there ALL the time you saved yourslef a headache.
|Current: EQ 735 Discover 9/5/13 Walmart TU 730 EX FICO 726 Amex Pull(1/1/13)|
Starting total revolving credit: $2600 | Current total revolving credit: 31k+
Inquiries (24 Months): EQ 8 TU 5 EX 5 | Most Recent: 09/04/2013
|Amex Zync(Unicorn) |
Citi Diamond Preferred$6000
02-23-2013 07:20 PM
Yeah if you shop there alot their rewards or benefits are pretty good. My mom was approved back in November 2009 with a $800 CL and has been stuck with that CL since. Oh well, you can get other better store cards with that score, and im not sure if its a FICO or FAKO.
02-24-2013 06:39 AM
02-24-2013 08:33 AM
I was approved for one back in April of 2012 with a 300 limit. It was foolish to me apply for the card when i knew i didnt shop there much (just wanted to take advantage of the 15 or 20% off the purchase). And till this date that is the only time i have been to Kohls.
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