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macys eq score from cli?

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creditnocash
Valued Contributor

macys eq score from cli?

so i asked for a cli from macys a few weeks ago. 

according to the letter oct 23rd. 

 

anyways they sent me my score 728. but its from 250-900 so this means non fico? correct i mean it really doesnt matter. 

it says they obtained my credit score via equifax but there was no pull done that i can see or a inquiry showing on score watch. 

 

i can agree with some of the reasons they gave-4

 

-length of time accounts have been established-10 months last time i asked was 1.8 years 

-to many inq in last year (guess they watch for those) - i have 8  since 2/2/12  damn you bank for pulling my credit so many times

-proporation of loan balances to loan amounts is too high.- well its a car that i got in august obviously its high. 

-length of time revolving accounts have been established-again i agree its dropped dramatically since this summer. 

 

 

so just an fyi, a macy's cli denied with soft pull and again i got a cli from 2k too 3.5k in july done on a soft pull as well. 

 



Current: Fico ScoresEQ~706 TU~719 EX 709 4/28/23

Inquiries (24 Months): EQ 0 TU 0 EX 0| Most Recent: A LONG WHILE
Over 12 Months:0


2023 Goals:
Buy A Home
Earn Cash Back

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$7,400
Citi DC $10,000
Citizens Mastercard$7,000

Message 1 of 6
5 REPLIES 5
Shogun
Moderator Emeritus

Re: macys eq score from cli?

With those ranges it would be a non-fico score.  It would be a proprietary score that they did, could include FICO and be enhanced with their own lending algorithms.  

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 2 of 6
Brian_Trying_700
Frequent Contributor

Re: macys eq score from cli?

@ Sho. I love Macys. They have been my 1st CC since 1999. Are they a soft or hard pull for cli's?

Garden mode till 11/19/2013 Amex Zync 500 H-L I Discover More 1750 I Capital One Rewards 1750 I Barclay Apple 1500 I Macys 2000 I Orchard 400 I Walmart 2000 I Chase Freedom 1500 I Lowes 1K l Barclay NFL 1K l Wright Express gas 2500 l PayPal Debit MasterCard BusinessCard $ ?
Message 3 of 6
Shogun
Moderator Emeritus

Re: macys eq score from cli?

They seem to do CLI's via a SP.  

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 4 of 6
creditnocash
Valued Contributor

Re: macys eq score from cli?

In my experience they've been softs. But I have seen others get them with hards so ymmv .


Current: Fico ScoresEQ~706 TU~719 EX 709 4/28/23

Inquiries (24 Months): EQ 0 TU 0 EX 0| Most Recent: A LONG WHILE
Over 12 Months:0


2023 Goals:
Buy A Home
Earn Cash Back

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$7,400
Citi DC $10,000
Citizens Mastercard$7,000

Message 5 of 6
rtw
Established Contributor

Re: macys eq score from cli?

I just got a cli this month via a soft pull.


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 6 of 6
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