Reply
Community Leader
Valued Contributor
starry1
Posts: 2,094
Registered: ‎11-29-2012
0

Talked to Valero analyst

So I was rejected for their gas card a couple weeks ago, and today decided to call up and see if I could recon.  No go on the recon, but she did tell me what they were looking for.  They are very inquiry sensitive.  She seemed flabbergasted that I had more than three inquiries, even though I told her I was rebuilding.  There is no set time post-bk to be approved.  The like scores in the mid-600s and above, over 700 and they might overlook a few extra inquiries.  She offered some strange advice, which I chalked up to normal CSR ignorance, and thank god I've learned better in myfico or else I might have listened to her.  


Starting Score: 11/29/12 TU 527; EQ 565; EX 564 fako - bk7 dc'd 2/15/13
Current Score: 8/30/14 TU 611; EQ 650; EX 640
Goal Score:  625 for now– New goal 675

Cap1 sec $700 (SD) / FP $300 (closed) / Fingerhut $1300 / nRewards $2.5k / cashRewards $1.5k / NavChek $2.5k / Amazon $1.7k / Walmart $1k / Von Maur $200 /Firestone $1.2k (last app 10/08/13)
Valued Contributor
dddewdrop
Posts: 1,060
Registered: ‎02-06-2013
0

Re: Talked to Valero analyst

Strange advice? Like what? Oh, btw when I talked to a DCU CSR the person was very nice and well informed. I patiently sat through him talking for about ten minutes of stuff that I already know because I wanted to be polite and not appear like a know it all. When I actually talked to a credit analyst she was much more to the point.

0/10001100/13001346/16001699/2000Prepaid ,,Recent scores:FICO EX 632,EQ 635,TU 632...Link to my Rebuild Log
Community Leader
Valued Contributor
starry1
Posts: 2,094
Registered: ‎11-29-2012
0

Re: Talked to Valero analyst

I told her I had to fix the judgment that is on my report and she told me not to do anything about it because my bankruptcy might get "updated" and then it would be on my report for "another 7 years".  Obviously does not know what she's talking about.


Starting Score: 11/29/12 TU 527; EQ 565; EX 564 fako - bk7 dc'd 2/15/13
Current Score: 8/30/14 TU 611; EQ 650; EX 640
Goal Score:  625 for now– New goal 675

Cap1 sec $700 (SD) / FP $300 (closed) / Fingerhut $1300 / nRewards $2.5k / cashRewards $1.5k / NavChek $2.5k / Amazon $1.7k / Walmart $1k / Von Maur $200 /Firestone $1.2k (last app 10/08/13)

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+