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BofA denies man with 820 score Alaska Airlines card based on "Credit Optics Score"

Established Contributor

Re: BofA denies man with 820 score Alaska Airlines card based on "Credit Optics Score"


805orbust wrote:

Hey Revelate, I know I've seen this discussed here before, but if you don't mind me asking, whom are the smaller bureaus to which you guys are referring. I always have the big 3 frozen, however definitely would like to cover all bases.


There's lots...  start with the list here:

 

http://files.consumerfinance.gov/f/201604_cfpb_list-of-consumer-reporting-companies.pdf

 

It's not 100% complete, but it's a good start.

 

EQ8:844 TU8:845 EX8:850 (MyFico) - 2017-10-16
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Valued Contributor

Re: BofA denies man with 820 score Alaska Airlines card based on "Credit Optics Score"


iv wrote:

805orbust wrote:

Hey Revelate, I know I've seen this discussed here before, but if you don't mind me asking, whom are the smaller bureaus to which you guys are referring. I always have the big 3 frozen, however definitely would like to cover all bases.


There's lots...  start with the list here:

 

http://files.consumerfinance.gov/f/201604_cfpb_list-of-consumer-reporting-companies.pdf

 

It's not 100% complete, but it's a good start.

 


Unfortunately you cannot cover all your bases. We are experiencing global warming - a deep freeze is a pipe dream

Fico 8: .......EQ 850 TU 850 EX 850 (3/2017)
Fico 9: .......EQ 850 TU 850 EX 850 (3/2017)
Fico 4 .....:. EQ 804 TU 823 EX 830 (3/2017) EX Fico 98: 839 (3/2017)
VS 3.0:...... EQ 832 TU 832 EX 832 (3/2017)
Fico 8 BC:. EQ 887 TU 899 EX 900 (3/2017)
CBIS: ........EQ LN Auto 940 EQ LN Home 870 TU Auto 902 TU Home 950 (4/2017)