topic Re: Question about GE Cards. in Credit Cards

Question about GE Cards.

Anonymous — Thu, 25 Oct 2012 13:00:38 GMT

I recently applied for a CLI on one of my GE cards (GE Luxury Card) and they denied me with a "654 out of 850" pulled from TU. Is this their own score system or is that the actual TU score I have?

Oh I got denied due to "high inquiries" due to a car dealership running me all over the place to get approval. I'm going to recon my CLI.

Thanks in advance.

Re: Question about GE Cards.

Anonymous — Thu, 25 Oct 2012 13:03:53 GMT

I'm pretty sure that GE has their own internal scoring system.

Re: Question about GE Cards.

LS2982 — Thu, 25 Oct 2012 13:06:05 GMT

@Anonymous wrote:
I recently applied for a CLI on one of my GE cards (GE Luxury Card) and they denied me with a "654 out of 850" pulled from TU. Is this their own score system or is that the actual TU score I have?

Oh I got denied due to "high inquiries" due to a car dealership running me all over the place to get approval. I'm going to recon my CLI.

Thanks in advance.

That score sounds like a TU FICO. They typically use in house scoring for approving you for the card and FICO's for CLI's.

Re: Question about GE Cards.

Anonymous — Thu, 25 Oct 2012 13:16:41 GMT

Yeah, I've tried searching the forums but came up with two different answers. Is the highest FICO you can have 850?

Re: Question about GE Cards.

LS2982 — Thu, 25 Oct 2012 13:17:45 GMT

@Anonymous wrote:
Yeah, I've tried searching the forums but came up with two different answers. Is the highest FICO you can have 850?

Yes. If the scoring range for the model they used is 300-850, more than likely it is a FICO score.

Re: Question about GE Cards.

Anonymous — Thu, 25 Oct 2012 13:19:24 GMT

Yes, the letter stated "as low as 300 and as high as 850". My TU FICO is higher than I thought, which sorta makes me happy.