Whispers from a Credit Analyst

[Anonymous]

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@Membersince2013 wrote:

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@Revelate wrote:

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@Membersince2013 wrote:
Yeah, but the thing is that she's not in charge of making the algorithm their computers run on, so i won't really take her word for it.

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There's generally two different decisioning trees at a lender: automatic and manual.  Manual has a lot more leeway on all sorts of things and is why we see people reconning limits here and actually being successful; if she's an actual analyst who's determining both approval and CL, she likely does know precisely what she's talking about for the lender in question.  

If random CSR, not so much.

Personally I'd always rather go manual as my score sucks compared to the underwriting quality (all derogs paid).

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I see your point! I often have problems with too many INQS, not necessarily my score.

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What is it now, 30 EX inquiries? I think you mentioned in RC thread.

[juggalo9er]

bad netiquette to steal a post in another thread and not give credit

[Revelate]

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@juggalo9er wrote:

bad netiquette to steal a post in another thread and not give credit

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I completely agree; however, nothing I posted in this thread was new knowledge to me other than some verbiage re: decisioning which if you read my posts I'd never used previously as cai24's not the only one who's worked at multiple lenders though in a better capacity.  Je t'accuse doesn't belong here on this one.

Anyway since it bears repeating:

http://ficoforums.myfico.com/t5/Credit-Cards/A-Must-read-Saw-this-on-another-board-and-thought-I-d-s...

[Membersince2013]

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@Anonymous wrote:

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@Membersince2013 wrote:

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@Revelate wrote:

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@Membersince2013 wrote:
Yeah, but the thing is that she's not in charge of making the algorithm their computers run on, so i won't really take her word for it.

---

There's generally two different decisioning trees at a lender: automatic and manual.  Manual has a lot more leeway on all sorts of things and is why we see people reconning limits here and actually being successful; if she's an actual analyst who's determining both approval and CL, she likely does know precisely what she's talking about for the lender in question.  

If random CSR, not so much.

Personally I'd always rather go manual as my score sucks compared to the underwriting quality (all derogs paid).

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I see your point! I often have problems with too many INQS, not necessarily my score.

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What is it now, 30 EX inquiries? I think you mentioned in RC thread.

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Should probably be at least 20 by now. I stopped checking after i got the RC lol.

[chalupaman]

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@Membersince2013 wrote:

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@Anonymous wrote:

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@Membersince2013 wrote:

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@Revelate wrote:

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@Membersince2013 wrote:
Yeah, but the thing is that she's not in charge of making the algorithm their computers run on, so i won't really take her word for it.

---

There's generally two different decisioning trees at a lender: automatic and manual.  Manual has a lot more leeway on all sorts of things and is why we see people reconning limits here and actually being successful; if she's an actual analyst who's determining both approval and CL, she likely does know precisely what she's talking about for the lender in question.  

If random CSR, not so much.

Personally I'd always rather go manual as my score sucks compared to the underwriting quality (all derogs paid).

---

I see your point! I often have problems with too many INQS, not necessarily my score.

---

What is it now, 30 EX inquiries? I think you mentioned in RC thread.

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Should probably be at least 20 by now. I stopped checking after i got the RC lol.

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I think about 28 for me on that bureau. Several in the last six months were Citi attempts. Hence why I have it frozen right now.

[Ysettle4]

[CreditMagic7]

Vital INFO!! is always WELCOME!!!

Invite that guy over here to MyFico!