https://ficoforums.myfico.com/t5/Credit-Card-Applications/Aspiration-Denial/m-p/6460815#M303447 <P>I also got denied with a with an EX fico of 696 and i got the email and the score was correct. It says i was denied because of "level of delinquincy on accounts". I have 1 30 day late payment from about 3 and a half years ago.&nbsp;</P> Fri, 17 Dec 2021 22:41:59 GMT bmis42988 2021-12-17T22:41:59Z https://ficoforums.myfico.com/t5/Credit-Card-Applications/Aspiration-Denial/m-p/6460792#M303446 <P>I applied back on Dec 4, 2021 with an EX FICO of 715...My guess is Beneficial State Bank is using an older version of either an auto lending score or mortgage score because the denial letter shows up today and states that my 650 score was below the 670min....Oh well...win some lose some...</P> Fri, 17 Dec 2021 21:31:09 GMT https://ficoforums.myfico.com/t5/Credit-Card-Applications/Aspiration-Denial/m-p/6460792#M303446 mrtech3 2021-12-17T21:31:09Z https://ficoforums.myfico.com/t5/Credit-Card-Applications/Aspiration-Denial/m-p/6460815#M303447 <P>I also got denied with a with an EX fico of 696 and i got the email and the score was correct. It says i was denied because of "level of delinquincy on accounts". I have 1 30 day late payment from about 3 and a half years ago.&nbsp;</P> Fri, 17 Dec 2021 22:41:59 GMT https://ficoforums.myfico.com/t5/Credit-Card-Applications/Aspiration-Denial/m-p/6460815#M303447 bmis42988 2021-12-17T22:41:59Z https://ficoforums.myfico.com/t5/Credit-Card-Applications/Aspiration-Denial/m-p/6460905#M303457 <P>Found out they use the EX vantagescore...no wonder.....</P> Sat, 18 Dec 2021 01:56:32 GMT https://ficoforums.myfico.com/t5/Credit-Card-Applications/Aspiration-Denial/m-p/6460905#M303457 mrtech3 2021-12-18T01:56:32Z https://ficoforums.myfico.com/t5/Credit-Card-Applications/Aspiration-Denial/m-p/6461079#M303475 <BLOCKQUOTE><HR /><a href="https://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/1125893">@mrtech3</a>&nbsp;wrote:<BR /><P>Found out they use the EX vantagescore...no wonder.....</P><HR /></BLOCKQUOTE><P>Yup, found out after I applied and got their credit score report - EX VS 3.0.<BR /><BR /></P><P>My lowest score at 719 - almost as low as my mortgage score.<img id="smileyfrustrated" class="emoticon emoticon-smileyfrustrated" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-frustrated.gif" alt="Smiley Frustrated" title="Smiley Frustrated" /></P><P>&nbsp;</P><P>Compared to EX 09 at 775 - what a major difference!</P><P><span class="lia-inline-image-display-wrapper lia-image-align-inline" image-alt="Screen Shot 2021-12-18 at 6.32.18 AM.png" style="width: 400px;"><img src="https://ficoforums.myfico.com/t5/image/serverpage/image-id/78685i7B4D288879519976/image-size/medium?v=v2&amp;px=400" role="button" title="Screen Shot 2021-12-18 at 6.32.18 AM.png" alt="Screen Shot 2021-12-18 at 6.32.18 AM.png" /></span></P> Sat, 18 Dec 2021 14:33:38 GMT https://ficoforums.myfico.com/t5/Credit-Card-Applications/Aspiration-Denial/m-p/6461079#M303475 4sallypat 2021-12-18T14:33:38Z