Re: Internal Scoring?[ Edited ]
10-10-2012 10:20 AM - edited 10-10-2012 10:23 AM
The agency has nothing to do with approving or denying you. Why would you complain to a CRA if you were denied. That statement is telling you they softed and that CRA's don't make credit decisions they simply provide a credit file.
In general when you attempt a recon explaining why you want a CLI and why you deserve one is more successful than bringing up your FICO. I don't even understand why your FICO would be part of the conversation unless they said your score was too low. Credit decisions are more than simple you have score A you qualify for X.