I just did the prequal for creditone(just curious).....they pre-denied me with a 743...wow...hah
Starting Score: CK 658 12/4/12 | CS 658 12/4/12 | myFico(EQ) 696 12/1/12
@09Lexie wrote:
@Untitled wrote:I've done a few of these approval sites today, and I have a question...
On the Captiol One website it gave my Experian score when I did a pre approval, The MileStone preapproval website gave me my Transunion score.
So am I missing something here? Why do people pay for their credit scores when preapproval websites tell them their score with no HP?
Different lenders have different or internal scoring models.
However, 'submitting' an app with no intention of going through with the process for the purpose of receiving a free credit score is frowned upon at myFICO.
I see Lexie's message needs a bump reminder 
MyFico does not condone using this technique to see scores and then post
@myjourney wrote:I see Lexie's message needs a bump reminder
MyFico does not condone using this technique to see scores and then post
OK, but this pure commercial self-interest right (they would rather we paid them for the credit score) rather than any ethical grey area. (Even though I assume they get some money from Credit One etc when they provide the score...) But if that is the rule, fine.
@longtimelurker wrote:A few minutes after Credit One declined me (wow, that still hurts) I pulled a three bureau report from here. The EX didn't quite match, 10 or so points difference, so I don't know if it is a different generation or if they are using a credit card enhanced version.
- Insufficient time since most recent account opened
- Too many accounts with balances
- Too many recent inquiries
- Insufficient length of revolving account history
LOL okay then...I'll go weep in a corner
Your credit score: 734
Date: 01/05/2014
Scores range from a low of 350 to a high of 850
734 was the same that my CU pulled when they granted my CLI and lower APR...so I think it's I wanna say EX08 enhanced or something like that...I asked once.
I did this prequal since it's a SP for the CR because I got a weird notice in the mail and I want to make sure nothing's funky on my CR. Hillarious though that Amex is an instant approval and CreditOne is a decline
@longtimelurker wrote:
@myjourney wrote:I see Lexie's message needs a bump reminder
MyFico does not condone using this technique to see scores and then post
OK, but this pure commercial self-interest right (they would rather we paid them for the credit score) rather than any ethical grey area. (Even though I assume they get some money from Credit One etc when they provide the score...) But if that is the rule, fine.
Don't get me wrong gray blue purple the glitch is there but....It can't be promoted openly on the forum in order to keep providing services (Fico Scores) certain conditions must be kept to maintain that accreditation
Another case this is not a credit repair forum and does not represent itself as such but we can discuss legal means of how to resolve issues on CR's
See my meaning between the lines?
@myjourney wrote:
@longtimelurker wrote:
@myjourney wrote:I see Lexie's message needs a bump reminder
MyFico does not condone using this technique to see scores and then post
OK, but this pure commercial self-interest right (they would rather we paid them for the credit score) rather than any ethical grey area. (Even though I assume they get some money from Credit One etc when they provide the score...) But if that is the rule, fine.
Don't get me wrong gray blue purple the glitch is there but....It can't be promoted openly on the forum in order to keep providing services (Fico Scores) certain conditions must be kept to maintain that accreditation
Another case this is not a credit repair forum and does not represent itself as such but we can discuss legal means of how to resolve issues on CR's
See my meaning between the lines?
<<<already paid his mob dues
Funny. Tried again since last time I got my score with CreditOne.
This time it gave me a preapproval with their card... lol
