Hope someone can help explain....
I currently have USAA CMS which my FAKO is EX 596, EQ 586, TU 602. Ok I recently called orchardbank (CL is $320)for a CLI and was declined (nothing different than what I have read from the community about Orchard CLIs). I checked the mail and it stated why I was declined and this is where the confusion comes in...
Orchard bank states:
Your score: 659 (where did that score come from?)
AMT OF PAYMENT TO TOTAL PAYMENT DUE
UTL OF CREDIT LIMIT IN RECENT MONTHS
Can anyone explain what the above means and where is orchardbank getting tha score from? Also, what is the backdoor numer or should I leave it alone and seek a different CC?
thanks
Starting Score: FAKO: TU 602 EQ 550 EX 565 - 08|2012bump
Unsure but sounds like they think you're paying too little in relation to your balance and high utilization.
Thats the funny thing I pay the acct of every month
I Called yesterday to see if I could get a CLI and the "Credit rep" said they are all hard pulls.. In Jan I requested a CLI and was approved on soft but they said they would of warned me if somehting triggered a hard. I want to get an increase before Capital One offically takes charge of the CLI. 
Anyone have the same issue?
I just recently had a credit increase with Orchard Bank for $100 i know they suck but thats all they gave it to you . They in the process tranfer to Capital One so they not much give out credit increase .
And they score that you got they call FAko or something its from 350 --->990 that's reason why your score up higher than wat you got.
Anyone want to hear how to get approved with Orchard bank increase PM me !!
Starting Score: 560