topic Re: How to get Experian FICO score after denial in Credit Cards

How to get Experian FICO score after denial

SwiftTone — Fri, 30 Mar 2012 15:11:31 GMT

I recently got denied for a Chase account. I thought they would send me my EX FICO score in the denail letter but they didn't. Is there a way I can get it after getting denied?i know EX FICO is not available for purchase anymore by consumers.

thanks

Re: How to get Experian FICO score after denial

pizzadude — Fri, 30 Mar 2012 16:00:36 GMT

@SwiftTone wrote:
I recently got denied for a Chase account. I thought they would send me my EX FICO score in the denail letter but they didn't. Is there a way I can get it after getting denied?i know EX FICO is not available for purchase anymore by consumers.

thanks

If you are denied then you are entitled to a copy of your credit report, but not a score, from the CRA that they pulled. Chase is supposed to give you a score, but it may or may not be FICO. It might be their own internal risk score.....

Re: How to get Experian FICO score after denial

Anonymous — Fri, 30 Mar 2012 17:28:25 GMT

From my research, it seems Chase is one of the few large lenders that have moved more toward Vantage scores. Regardless...your FICO scores and Vantage Score are higher than mine and I was approved for the Freedom on a recon. Not sure what you were applying for...but thought it worth a mention.

Here is a link to an article I found on Chase and Vantage:

http://press.experian.com/united-states/Press-Release/experian-announces-availability-of-vantagescore-2-0-for-financial-institutions.aspx?&p=1

Re: How to get Experian FICO score after denial

SwiftTone — Fri, 30 Mar 2012 17:45:28 GMT

I was applying for the CSP.

I have no clue what my EX FICO is so I thought this could be my chance of getting it. I asked for it on my recon but they said they're not supposed to give it to me. How do I go about finding what my score is that Chase pulled?

My FAKO from Experian is 610 which has me worried. I just want to know what my EX FICO is!!

Re: How to get Experian FICO score after denial

Anonymous — Fri, 30 Mar 2012 17:48:37 GMT

@SwiftTone wrote:
I just want to know what my EX FICO is!!

We all do.

Re: How to get Experian FICO score after denial

pizzadude — Fri, 30 Mar 2012 17:52:30 GMT

The denial letter should have come with a score. Not necessarily a FICO score, but a score. Did it ?

Re: How to get Experian FICO score after denial

trumpet-205 — Fri, 30 Mar 2012 19:06:38 GMT

My Freedom approval letter has Vantage score, ranging from 501 to 990. Chase is using VantageScore for its credit card application.

Re: How to get Experian FICO score after denial

h4ldol — Fri, 30 Mar 2012 19:24:29 GMT

@trumpet-205 wrote:
My Freedom approval letter has Vantage score, ranging from 501 to 990. Chase is using VantageScore for its credit card application.

Well, that's good news I guess since at least you can check your Vantage score for EX.

Re: How to get Experian FICO score after denial

LS2982 — Fri, 30 Mar 2012 19:29:45 GMT

On my denial from Chase I didn't get a score at all.....

Re: How to get Experian FICO score after denial

Anonymous — Fri, 30 Mar 2012 19:33:57 GMT

@LS2982 wrote:
On my denial from Chase I didn't get a score at all.....

My DH and I both got letters even though approved on recon. No score for either of us............

Re: How to get Experian FICO score after denial

clocktick — Fri, 30 Mar 2012 21:48:22 GMT

@SwiftTone wrote:
I recently got denied for a Chase account. I thought they would send me my EX FICO score in the denail letter but they didn't. Is there a way I can get it after getting denied?i know EX FICO is not available for purchase anymore by consumers.

thanks

Did you try for a recon? Chase is recon-friendly and it's always worth a shot. I think I got my "score" from them but it wasn't FICO (unless I'm mixing them up with Citi...).

Re: How to get Experian FICO score after denial

Eschaton — Fri, 30 Mar 2012 22:12:54 GMT

My chase denial letter states:

Scoring system name: FICO® score

Source: Experian

Date calcuated: 03/14/2012

Your credit score: 728

Not sure if this is a true FICO or if it's internal, but it clearly says FICO scoring system. This was on a Freedom app.

Re: How to get Experian FICO score after denial

Anonymous — Fri, 30 Mar 2012 22:43:29 GMT

@SwiftTone wrote:
I recently got denied for a Chase account. I thought they would send me my EX FICO score in the denail letter but they didn't. Is there a way I can get it after getting denied?i know EX FICO is not available for purchase anymore by consumers.

thanks

Do you have any family members that live in PA? Do you live in PA?

Re: How to get Experian FICO score after denial

SwiftTone — Mon, 02 Apr 2012 14:17:29 GMT

Maybe they only give a score(fico or not) if you were denied based on your FICO score.

Re: How to get Experian FICO score after denial

kjm79 — Mon, 02 Apr 2012 20:04:13 GMT

@SwiftTone wrote:
Maybe they only give a score(fico or not) if you were denied based on your FICO score.

+1 I belive this is accurate. If you are denied credit or receive less than optimal terms based on your credit score then they are supposed to provide you with your score. If you are denied for other reasons, say flat out denial because of BK, they didn't consider your score so they don't have to provide it.

Re: How to get Experian FICO score after denial

marty56 — Tue, 03 Apr 2012 09:11:33 GMT

@kjm79 wrote:
+1 I belive this is accurate. If you are denied credit or receive less than optimal terms based on your credit score then they are supposed to provide you with your score. If you are denied for other reasons, say flat out denial because of BK, they didn't consider your score so they don't have to provide it.

H.R. 769 has not been passed yet as far as I know. If you were refused credit for say having too much CC debt, does it realy mater what your score was? Also if they use an internal scoring mechanism, blacklist what good would it do to know it?

Even if a CCC denies your credit because of a minimum score and doesn't care what else is on your CR, a copy of your CR will lead you to repair it and you would still need to get your score later on in order to see if you meet the minimum yet.

It is always good to know as much info about your credit but as I have said many times before, focus on the content of your CR and the scores will take care of themselves.

Re: How to get Experian FICO score after denial

Anonymous — Tue, 03 Apr 2012 10:17:15 GMT

they pulled TU for me both times and provided me with a score