topic Re: X1 approval data points in Credit Card Applications

X1 approval data points

Dgoins08 — Tue, 24 May 2022 23:11:31 GMT

new to the forum finally received my X1 invite and I've been trying to find data points to see if it is worth applying. I know they currently pull from experian my EX fico is 658 136k income and DTI is 20%. Just trying to see if anyone has seen someone approved with similar data points. I'm currently gardening don't need the card but I am open to increasing my overall utilization if I am approved.

Re: X1 approval data points

CYBERSAM — Wed, 25 May 2022 00:28:37 GMT

So far with X1 you can get approved with SP and once you except the offer then is HP through Experian!

They are sensitive to BK and require income verification.

I have seen some approvals around your score, so good luck!

Re: X1 approval data points

increasingmyfico — Wed, 25 May 2022 01:51:38 GMT

Unofficial report is that they require a 670 minimum. They pull Exp fico 8. There are people who say they have got approved with lower scores but no telling what version they are looking at. It's a soft before you accept an offer though so even if you're denied it won't hurt you.. you can just say you're doing it for science.

Re: X1 approval data points

bigseegar — Wed, 25 May 2022 11:26:31 GMT

@Dgoins08 wrote:
Hi
new to the forum finally received my X1 invite and I've been trying to find data points to see if it is worth applying. I know they currently pull from experian my EX fico is 658 136k income and DTI is 20%. Just trying to see if anyone has seen someone approved with similar data points. I'm currently gardening don't need the card but I am open to increasing my overall utilization if I am approved.

I don't think you'll be approved with that FICO score

Re: X1 approval data points

Mdowning30 — Thu, 26 May 2022 14:15:07 GMT

I was denied not because of my scores but the income i put was either $45K or $50K which was a bummer, if i was able to put my total income i might have been approved.

Re: X1 approval data points

GatorGuy — Thu, 26 May 2022 22:37:31 GMT

@Mdowning30 wrote:
I was denied not because of my scores but the income i put was either $45K or $50K which was a bummer, if i was able to put my total income i might have been approved.

@Mdowning30 Why didn't they allow you to use your real income?

Re: X1 approval data points

Secretchipmunk7 — Sun, 16 Oct 2022 14:52:09 GMT

Thanks.

I was wondering what the minimum score requirement was.

I got declined only because 660 Experian. They said I didn't meet minimum score requirement.

Now I'm at 676 and I might try again or wait till I hit 700.

Re: X1 approval data points

spiritcraft1 — Sun, 16 Oct 2022 20:50:48 GMT

I tried for this card and likely would have been approved aside from Plaid not being able to connect with AODFCU. I have run into this issue with funding new CU accounts a couple times as well. I think I may have to move my direct deposits as there is no reason to leave them there at this point if they are not up to speed tech wise.

Re: X1 approval data points

rhapsody1 — Sun, 16 Oct 2022 21:08:08 GMT

Do you mean they use plaid to confirm income via your direct deposits ?

Re: X1 approval data points

spiritcraft1 — Sun, 16 Oct 2022 21:17:43 GMT

@rhapsody1 wrote:
Do you mean they use plaid to confirm income via your direct deposits ?

Yes, Plaid will log in but there is always an error message in getting data or connecting.