So I took the bait 
on the pre-approval I received from GE Chevron/Texaco for the gas card and was denied! I don't get the response, especially having so many GE cards for sometime now and in good standing. They are truly strange at times with their cards. Below is the response, and not even sure if they have a recon number or if it is even worth it!
| Our decision was based in part on a credit scoring system that was used to evaluate your application. The reason's where you did not score well compared with the other applicants have been determined and are listed below: | |
| LACK OF RECENT CONSUMER FINANCE COMPANY ACCOUNT INFORMATION AMOUNT OWED ON REVOLVING ACCOUNTS NO RECENT REVOLVING BALANCES NUMBER OF CONSUMER FINANCE COMPANY ACCOUNTS |
Then they further state on the letter they pulled TU:
| Your Credit Score: 064 |
| Date: 03/24/2012 |
| Scores range from a low of 000 to a high of 999. |
| Key factors that adversely affected your credit score: LACK OF RECENT CONSUMER FINANCE COMPANY ACCOUNT INFORMATION AMOUNT OWED ON REVOLVING ACCOUNTS NO RECENT REVOLVING BALANCES NUMBER OF CONSUMER FINANCE COMPANY ACCOUNTS NUMBER OF INQUIRIES ON CREDIT REPORT |
What in the world 064? I am assuming this is their own internal scoring thing???? Hating myself for applying now, but oh well 
! Just wanted to share with all of you.
Starting Score: Feb 2012 TU FICO 639, EQ FICO 638, EX FICO 602
I thought about that, and not sure if it's worth the bother at this point. Then again I already took the hit with the inquiry, not sure if there is even a back door number because the reps directly who answer the phone are useless! I have called twice and basically said mom this is confidential information wait for your letter and even then it is what it is!
Those reasons contradict each other. 
I saw a post where someone else had the same issue with a really low number and weird reasons. I think it was a GE acct too. maybe they had some issues with their new system? Might want to find the thread and figure out what they did. I would call. Have them explain those reasons.
Starting Score: TU:650 - EQ: 672
