topic Re: BHG MORE Bus. Mastercard® $22,000.00 **APPROVAL in Business Credit

BHG MORE Bus. Mastercard® $22,000.00 **APPROVAL

M_Smart007 — Thu, 08 Dec 2022 18:55:38 GMT

Thought I would spin the wheel ...

Approved $22,000.00 for BHG MORE Business Mastercard®

INTRO APR 0%† on balance transfers for 12 months, made in the first 60 days

Intro Offer - Earn a $100 cash back bonus with $3,000 spend in the first 90 days

Simple online process / Instant decision

No DOC's or ID required.

Pulled TU / unknown what model?

18/24 - 4/12 new personal accts.

AZE6 - $17.8K personal debt reporting @ 0%APR

Around 8(ish)/12 scoreable Inquiries (probably 20 or so in /24

Thick aged profile

Docusign

(Click image to enlarge)

Re: BHG MORE Bus. Mastercard® $22,000.00 **APPROVAL

RootDet — Thu, 08 Dec 2022 20:24:01 GMT

congrats. I thought BHT was a soft pull but guess not.

Re: BHG MORE Bus. Mastercard® $22,000.00 **APPROVAL

M_Smart007 — Thu, 08 Dec 2022 20:30:29 GMT

@RootDet wrote:
congrats. I thought BHT was a soft pull but guess not.

@RootDet , Thanks!

I believe it may be Business Loans only that are "SP"?

https://ficoforums.myfico.com/t5/Business-Credit/BHG-approval/m-p/6622352#M45161

Credit Cards are definately HP. I did not apply for a loan ..Credit Card only.

Re: BHG MORE Bus. Mastercard® $22,000.00 **APPROVAL

atst2000 — Thu, 08 Dec 2022 21:35:18 GMT

Wow nice limit! Congrats

I've gotten flyers from this bank but thought it was another fly by night institution, guess not.

Might have to try them out.

Re: BHG MORE Bus. Mastercard® $22,000.00 **APPROVAL

cashorcharge — Sat, 10 Dec 2022 01:32:29 GMT

I think this is the 2nd time I've seen BHG mentioned and had no idea who they were until you pulled out a $22K approval. Suffice to say, I started reading up...😜

WooHoo! Congratulations on your BHG Approval!!!🎉🍾🥂

Re: BHG MORE Bus. Mastercard® $22,000.00 **APPROVAL

Adkins — Sun, 11 Dec 2022 01:49:48 GMT

Congratulations!!

Re: BHG MORE Bus. Mastercard® $22,000.00 **APPROVAL

mrtech3 — Sun, 11 Dec 2022 05:06:11 GMT

Congrats...I just got this one tonight myself

Re: BHG MORE Bus. Mastercard® $22,000.00 **APPROVAL

BearsCubsOtters — Sun, 11 Dec 2022 15:09:14 GMT

Congratulations!!!

This is really hot. I do not want to live in a world wherein M_Smart007 stops applying for credit.....

Re: BHG MORE Bus. Mastercard® $22,000.00 **APPROVAL

M_Smart007 — Sun, 11 Dec 2022 17:31:30 GMT

@Adkins wrote:
Congratulations!!

Thanks @Adkins!

Re: BHG MORE Bus. Mastercard® $22,000.00 **APPROVAL

M_Smart007 — Sun, 11 Dec 2022 17:33:16 GMT

@cashorcharge wrote:
I think this is the 2nd time I've seen BHG mentioned and had no idea who they were until you pulled out a $22K approval. Suffice to say, I started reading up...😜
WooHoo! Congratulations on your BHG Approval!!!🎉🍾🥂

Thanks @cashorcharge ,

Well we'll be waiting patiently for your F😜TM Approval!

Re: BHG MORE Bus. Mastercard® $22,000.00 **APPROVAL

cashorcharge — Sun, 11 Dec 2022 17:56:09 GMT

**bleep** peer pressure!

Re: BHG MORE Bus. Mastercard® $22,000.00 **APPROVAL

805orbust — Mon, 12 Dec 2022 10:17:09 GMT

You guys are hilarious! Congrats my friend!

Re: BHG MORE Bus. Mastercard® $22,000.00 **APPROVAL

M_Smart007 — Mon, 12 Dec 2022 22:02:59 GMT

@805orbust wrote:
You guys are hilarious! Congrats my friend!

@805orbust, Thanks!

And you know the drill ...right?

Re: BHG MORE Bus. Mastercard® $22,000.00 **APPROVAL

M_Smart007 — Fri, 16 Dec 2022 17:41:19 GMT

@SouthJamaica, I am pretty sure BHG is using TU FICO 4

Here is what they gave me >>> (Click image to enlarge)

My TU FICO 8 is currently 798. (and was at time of BHG application / nothing has changed)

Re: BHG MORE Bus. Mastercard® $22,000.00 **APPROVAL

AzCreditGuy — Fri, 16 Dec 2022 19:27:17 GMT

Congrats on the card

Are we able to confirm loans are a SP and if Fico 8 is pulled for personal?

Re: BHG MORE Bus. Mastercard® $22,000.00 **APPROVAL

SouthJamaica — Sat, 17 Dec 2022 03:27:05 GMT

@M_Smart007 wrote:
@SouthJamaica, I am pretty sure BHG is using TU FICO 4

Here is what they gave me >>> (Click image to enlarge)
My TU FICO 8 is currently 798. (and was at time of BHG application / nothing has changed)

All right, so I guess that must be it. In my case it seemed to be identical to my TU FICO 8 score, but it wasn't so far from my FICO 4 that I could eliminate that as the score model. So TU FICO 4 it must be.

Re: BHG MORE Bus. Mastercard® $22,000.00 **APPROVAL

M_Smart007 — Sat, 17 Dec 2022 03:27:39 GMT

@SouthJamaica wrote:
@M_Smart007 wrote:
@SouthJamaica, I am pretty sure BHG is using ~~TU FICO 4~~

Here is what they gave me >>> (Click image to enlarge)
My TU FICO 8 is currently 798. (and was at time of BHG application / nothing has changed)
All right, so I guess that must be it. In my case it seemed to be identical to my TU FICO 8 score, but it wasn't so far from my FICO 4 that I could eliminate that as the score model. So TU FICO 4 it must be.

Well @SouthJamaica ,

Just a wild hunch, I decided to check my TU VS 4.0

And well, I may have to [REDACT] my statement on it being TU FICO4

(Click image to enlarge)

Re: BHG MORE Bus. Mastercard® $22,000.00 **APPROVAL

SouthJamaica — Sat, 17 Dec 2022 03:28:22 GMT

@M_Smart007 wrote:
@SouthJamaica wrote:
@M_Smart007 wrote:
@SouthJamaica, I am pretty sure BHG is using ~~TU FICO 4~~

Here is what they gave me >>> (Click image to enlarge)
My TU FICO 8 is currently 798. (and was at time of BHG application / nothing has changed)
All right, so I guess that must be it. In my case it seemed to be identical to my TU FICO 8 score, but it wasn't so far from my FICO 4 that I could eliminate that as the score model. So TU FICO 4 it must be.
Well @SouthJamaica ,
Just a wild hunch, I decided to check my TU VS 4.0

And well, I may have to [REDACT] my statement on it being TU FICO4
(Click image to enlarge)

You seriously think it might be a Vantage score? Somehow I doubt that.

Re: BHG MORE Bus. Mastercard® $22,000.00 **APPROVAL

M_Smart007 — Sat, 17 Dec 2022 03:29:14 GMT

@SouthJamaica wrote:
@M_Smart007 wrote:
@SouthJamaica wrote:
@M_Smart007 wrote:
@SouthJamaica, I am pretty sure BHG is using ~~TU FICO 4~~

Here is what they gave me >>> (Click image to enlarge)
My TU FICO 8 is currently 798. (and was at time of BHG application / nothing has changed)
All right, so I guess that must be it. In my case it seemed to be identical to my TU FICO 8 score, but it wasn't so far from my FICO 4 that I could eliminate that as the score model. So TU FICO 4 it must be.
Well @SouthJamaica ,
Just a wild hunch, I decided to check my TU VS 4.0

And well, I may have to [REDACT] my statement on it being TU FICO4
(Click image to enlarge)

You seriously think it might be a Vantage score? Somehow I doubt that.

@SouthJamaica,

This may help to rule out TU FICO 4 >> https://lp.bhgandbanks.com/rscore/

"Replaced FICO as primary scoring metric for BHG consumer loans in July 2020 "

Re: BHG MORE Bus. Mastercard® $22,000.00 **APPROVAL

FinStar — Sat, 17 Dec 2022 03:39:31 GMT

@M_Smart007 wrote:
@SouthJamaica wrote:
@M_Smart007 wrote:
@SouthJamaica wrote:
@M_Smart007 wrote:
@SouthJamaica, I am pretty sure BHG is using ~~TU FICO 4~~

Here is what they gave me >>> (Click image to enlarge)
My TU FICO 8 is currently 798. (and was at time of BHG application / nothing has changed)
All right, so I guess that must be it. In my case it seemed to be identical to my TU FICO 8 score, but it wasn't so far from my FICO 4 that I could eliminate that as the score model. So TU FICO 4 it must be.
Well @SouthJamaica ,
Just a wild hunch, I decided to check my TU VS 4.0

And well, I may have to [REDACT] my statement on it being TU FICO4
(Click image to enlarge)

You seriously think it might be a Vantage score? Somehow I doubt that.
@SouthJamaica,
This may help to rule out TU FICO 4 >> https://lp.bhgandbanks.com/rscore/
"Replaced FICO as primary scoring metric for BHG consumer loans in July 2020"

The key item to keep in mind, though, that disclosure was likely in place when Pinnacle Bank was the primary underwriting channel for BHG. They currently use a different bank for loans and CCs (as noted by @mfinsmi1 on another BHG thread), so perhaps someone can confirm directly with BHG or request clarification from the UW team. I'll check whether my 2 recent BHG approvals align (scoring-wise) with any FICO or Vantage elements, then again I didn't look that closely since I hardly pay much attention to the scoring flavors.