topic Re: Hmmmm? in General Credit Topics

Hmmmm?

CGame — Wed, 09 May 2007 17:15:41 GMT

I was looking online at the site whogavemecredit.com & in the credit pulls section on creditboards.com & I have a question: How much weight does the state one resides in have on whether they are approved for credit or not? I noticed in my state(IN)a lot of people were rejected for various credit, BUT had GOOD scores, plus no bankruptcy. Does the state carry weight on approvals? I noticed how people in different states with WORSE credit were approved by the SAME creditor. What gives?

Re: Hmmmm?

Anonymous — Wed, 09 May 2007 17:21:26 GMT

What were they refused for? There is alot of factors other than just your score when approvals or denials are handed out.

Re: Hmmmm?

Tuscani — Wed, 09 May 2007 17:28:11 GMT

I suppose your state could matter.. but FICO does not include state is residence for calculating a score.

Re: Hmmmm?

CGame — Wed, 09 May 2007 17:28:31 GMT

Some didn't have comments, but one I saw said a 'a few lates".

Re: Hmmmm?

Anonymous — Wed, 09 May 2007 17:29:33 GMT

were they credit cards? Loans?

Re: Hmmmm?

CGame — Wed, 09 May 2007 17:34:55 GMT

Mostly credit cards, one was a Cap 1 auto loan

Re: Hmmmm?

Anonymous — Wed, 09 May 2007 17:52:41 GMT

It is a bit weird but, there could have been some manual reviews of the people's credit reports and found some collections and charge off's that were still live but old.