https://ficoforums.myfico.com/t5/Credit-Card-Applications/UMB-DENIED/m-p/4099628#M70680 <P>I Received my denial letter for UMB Hello Kitty Visa resons for denial are:</P><P>&nbsp;</P><P>principal reason: failure to meet minimum credit scoring criteria</P><P>CB pulled &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;: TU</P><P>Score as per umb: 650</P><P>key factors:</P><P>&nbsp;</P><P>serious deliquency pr or collection&lt;-----bk 2years ago but have rebuild</P><P>length of time revolving accouonts have been established &lt;------oldest revolver 2years&nbsp;</P><P>proportion of loan balances to loan amounts too high&lt;-----student loans and automotive i assume</P><P>Excessive inquiries&lt;----when i apped i only had 2</P><P>&nbsp;</P><P>lol ok guess i wont be app with them anytime soon. i only wanted this card because Ive been obssessed with hello kitty since i was about 5years old lol.&nbsp;</P><P>&nbsp;</P><P>hope this lil bit of info can help someone else</P> Mon, 29 Jun 2015 21:12:31 GMT ChistineNJ 2015-06-29T21:12:31Z https://ficoforums.myfico.com/t5/Credit-Card-Applications/UMB-DENIED/m-p/4099628#M70680 <P>I Received my denial letter for UMB Hello Kitty Visa resons for denial are:</P><P>&nbsp;</P><P>principal reason: failure to meet minimum credit scoring criteria</P><P>CB pulled &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;: TU</P><P>Score as per umb: 650</P><P>key factors:</P><P>&nbsp;</P><P>serious deliquency pr or collection&lt;-----bk 2years ago but have rebuild</P><P>length of time revolving accouonts have been established &lt;------oldest revolver 2years&nbsp;</P><P>proportion of loan balances to loan amounts too high&lt;-----student loans and automotive i assume</P><P>Excessive inquiries&lt;----when i apped i only had 2</P><P>&nbsp;</P><P>lol ok guess i wont be app with them anytime soon. i only wanted this card because Ive been obssessed with hello kitty since i was about 5years old lol.&nbsp;</P><P>&nbsp;</P><P>hope this lil bit of info can help someone else</P> Mon, 29 Jun 2015 21:12:31 GMT https://ficoforums.myfico.com/t5/Credit-Card-Applications/UMB-DENIED/m-p/4099628#M70680 ChistineNJ 2015-06-29T21:12:31Z https://ficoforums.myfico.com/t5/Credit-Card-Applications/UMB-DENIED/m-p/4099672#M70684 <P>UMB is pretty conservative.&nbsp; They're up there with FNBO, Commerce Bank or M&amp;T as far as UW criteria.</P> Mon, 29 Jun 2015 21:31:17 GMT https://ficoforums.myfico.com/t5/Credit-Card-Applications/UMB-DENIED/m-p/4099672#M70684 FinStar 2015-06-29T21:31:17Z