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Results of 7/19 (7/23) App Spree

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starboundphoenix
Valued Member

Re: Results of 7/19 (7/23) App Spree


@rtw wrote:
Btw, the Chase decline had my score at 680 based on their internal scoring system.

I just got a Chase Freedom initial credit line of $4000 first go around. The day they pulled it (7/25) my EX FICO was 652. Today, I got a Citi Forward for $6000 first go round and the EX FICO they pulled was 680? Strange upward jump of 28 points in three days . . . is that normal?

Starting Score: EX: 652 FICO | TU: ??? FICO | EQ ??? FICO
Current Score: EX: 760 FICO | TU: 737 FICO | EQ: 754 FICO
Goal Score:      EX: 750 FICO | TU: 750 FICO | EQ: 750 FICO
Venture, BCP, Zync, USAA AMEX, Freedom, Forward, NFCU Flagship, Discover, Barclay, Mil Star, United Explorer

Message 21 of 25
rtw
Established Contributor

Re: Results of 7/19 (7/23) App Spree

@starboundphoenix, I don't believe that the score that Chase gave me in my denial letter was a FICO but it was their own internal scoring system. They had me scored at a 680 while my TU FICO on the day they pulled my report was 648.

Starting Score: EX: 575 (PSECU 5/2/12) TU: 582 (3/6/12) EQ: 664 (4/27/12)
Current Score: EX: 699 (PSECU 06/04/14) 702 (my FICO 08/05/14) TU: 699 (08/01/14) EQ: 675 (07/08/14)
Goal Score: 720
20K PSECU 7/12 | 12K USAA 9/12 | 11K BOA 1-2-3 9/12 | 9K Citi HHonors 9/12 | 8.5K Citi AAdvantage 5/08 | 5K Chase Sapphire Pref. 9/12 | 3.8K Barclays USAir 7/12 | 6K Walmart Dis. 11/12 | 1K Amex SPG 11/12 | 2K Amex BCP 1/13
Message 22 of 25
Revelate
Moderator Emeritus

Re: Results of 7/19 (7/23) App Spree


@starboundphoenix wrote:

@rtw wrote:
Btw, the Chase decline had my score at 680 based on their internal scoring system.

I just got a Chase Freedom initial credit line of $4000 first go around. The day they pulled it (7/25) my EX FICO was 652. Today, I got a Citi Forward for $6000 first go round and the EX FICO they pulled was 680? Strange upward jump of 28 points in three days . . . is that normal?


Chase (or Citi) could be using an internal system as mentioned, though I had thought Chase was FICO in their letters.  That said, there's different versions of FICO being used on the market today as well even for just Experian: FICO '04 vs. FICO '08, and pull type: Classic vs. Credit-Enhanced industry options are the main suspects, which still leaves 4 different scores possible from either of those two lenders... so they might not match.




        
Message 23 of 25
Middleswarth
Frequent Contributor

Re: Results of 7/19 (7/23) App Spree

I was denied the Barclay United Airlines card last week.  Since I already had the American Airlines card I figured I would just let the United one go, but after reading this thread I decided to recon.

 

I talked to a very nice lady who asked a few questions about why my file was thin and mentioned the inquires.  I told her I was rebuilding for the purpose of buying a house and assured her that I was not in "need" of all the cards I apped for,  but rather wanted to use each one for the rewards and special programs.  She put me on hold for 3 minutes then came back and approved me for $1500.  She also told me to call back in 6 months and they may be able to raise that limit.

 

I have to say I am impressed with Barclay.  They seemed to genuinely understand and wanted to help.  While the card will be too late for my August trip (and not enough of a limit), I will use the card for other things.

Message 24 of 25
rtw
Established Contributor

Re: Results of 7/19 (7/23) App Spree

Congrats Middleswarth! I'm hoping to build a strong relationship with Barclays as I will be in the market for some Apple products and hope to get approved for their no interest financing.

Starting Score: EX: 575 (PSECU 5/2/12) TU: 582 (3/6/12) EQ: 664 (4/27/12)
Current Score: EX: 699 (PSECU 06/04/14) 702 (my FICO 08/05/14) TU: 699 (08/01/14) EQ: 675 (07/08/14)
Goal Score: 720
20K PSECU 7/12 | 12K USAA 9/12 | 11K BOA 1-2-3 9/12 | 9K Citi HHonors 9/12 | 8.5K Citi AAdvantage 5/08 | 5K Chase Sapphire Pref. 9/12 | 3.8K Barclays USAir 7/12 | 6K Walmart Dis. 11/12 | 1K Amex SPG 11/12 | 2K Amex BCP 1/13
Message 25 of 25
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