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Spark Card CLI decline using an OLD bureau!!

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Spark Card CLI decline using an OLD bureau!!

Decline reason was my credit score was not good enough ... i was like Waaat! They are all at 700!! Looked at the bureau and DATE! EQUIFAX frm January really?!! Showed as 639 ... never remember it being that low neway but really we are almost im April people ugh! I'm not calling to dispute cuz I really dnt need it but my score is 702ish with that bureau .. and apparently they are using a very old score ... tempted to close them both since they are SD anyway both personal and business ... my QS is at 5k ... another one of my lowest limits and my Spark at 6500 ..whatever people guess I'll just keep using my Barclay's, Discover amd Amex ... back with the sox u go Cap1!!
TU-812 EQ-820 EX-807 - Barclays cash forward 30K, Lowes 25K, Amex Everyday 50K, Fidelity 25K, Care Credit 25k, Walmart 10K, Discover 41K, Chase Sapphire Pref 10K, Macys 9K, many other store and retail cards - Oldest line 14yrs - Average Age 2.5yr, 8% UTI, 11 open credit cards - $230k total limit
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Re: Spark Card CLI decline using an OLD bureau!!


@Rowncole wrote:
Decline reason was my credit score was not good enough ... i was like Waaat! They are all at 700!! Looked at the bureau and DATE! EQUIFAX frm January really?!! Showed as 639 ... never remember it being that low neway but really we are almost im April people ugh! I'm not calling to dispute cuz I really dnt need it but my score is 702ish with that bureau .. and apparently they are using a very old score ... tempted to close them both since they are SD anyway both personal and business ... my QS is at 5k ... another one of my lowest limits and my Spark at 6500 ..whatever people guess I'll just keep using my Barclay's, Discover amd Amex ... back with the sox u go Cap1!!

Is the 702 a Fico 8 score? I don't think Cap1 uses Fico 8 either

Amex Platinum, Amex Hilton HHonors Surpass, Chase Southwest Premier, Chase Marriott Rewards Premier, Discover IT, Sony Visa, Barclay Arrival+ MC, Cabela Visa, Walmart SC, Amazon SC, Kohls, Diners Club Premier, PayPal Credit, PenFed Platinum Reward Visa, PenFed PLOC, Chase Ritz Carlton, Citi TY Premier, Amex BCP, Discover Miles, Care Credit, Blue Nile SC, iComfort SC, Cap1 Venture, Chase Hyatt, Lowes, US Bank Cash+, Citi Costco Visa
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Re: Spark Card CLI decline using an OLD bureau!!

Its the score across all my apps ... fico, cap1 app, discover app, amex app, walmart app, barclays app .. it dipped in early Jan for some reason but quickly recovered .. cap1 is smoking summin! I was approved at Citizens Bank last month and it was 714 only reason why it dropped to 702 .. again the score showed as of 01/16/16 ... come on .. we are pushing on April ..
TU-812 EQ-820 EX-807 - Barclays cash forward 30K, Lowes 25K, Amex Everyday 50K, Fidelity 25K, Care Credit 25k, Walmart 10K, Discover 41K, Chase Sapphire Pref 10K, Macys 9K, many other store and retail cards - Oldest line 14yrs - Average Age 2.5yr, 8% UTI, 11 open credit cards - $230k total limit
Message 3 of 8
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Re: Spark Card CLI decline using an OLD bureau!!

Call and recon. They'll pull a new report. I've had some success with a Cap1 recon.

Gardening since 12/15/2019. Goal 12/15/2021
FICO 8 as of 12/16/2019 - EQ 602 EX 656 TU 628
Message 4 of 8
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Re: Spark Card CLI decline using an OLD bureau!!


@ojefferyo wrote:

@Rowncole wrote:
Decline reason was my credit score was not good enough ... i was like Waaat! They are all at 700!! Looked at the bureau and DATE! EQUIFAX frm January really?!! Showed as 639 ... never remember it being that low neway but really we are almost im April people ugh! I'm not calling to dispute cuz I really dnt need it but my score is 702ish with that bureau .. and apparently they are using a very old score ... tempted to close them both since they are SD anyway both personal and business ... my QS is at 5k ... another one of my lowest limits and my Spark at 6500 ..whatever people guess I'll just keep using my Barclay's, Discover amd Amex ... back with the sox u go Cap1!!

Is the 702 a Fico 8 score? I don't think Cap1 uses Fico 8 either


Cap1 uses FICO 4.  (I consider it a FAKO, but have had people respond that consider it a valid FICO)

 

My FICO 8 on EX is 717.  My FICO 4 is 633! I was denied a Venture One, so I feel your pain.

Message 5 of 8
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Re: Spark Card CLI decline using an OLD bureau!!

FICO 04 is the 'morgage' scoring score....

 

it is used by quite a bit of credit unions, cap1, etc...  and always for a mortgage

 

you can view it with the 3-bureau report

 








Family Member made me an AU on: 2008 Sears MC $2,001, 2016 SEARS Store Card $2,001, 2011 Synchrony Home $5,500 , 2003 FNBO Visa $9,900, 2008 Macys Amex $1900, 2008 Kohls $2,000, 2008 JC Penny $4,500, 2016 TJX Mastercard $1,500, 2019 SDFCU PowerCash Visa $10,000, 2018 AAdvantage Aviator MC $5,600, 2018 HSN $4,500, and 2016 Local Credit Union Visa $5,000.
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Re: Spark Card CLI decline using an OLD bureau!!

Same thing just happened to me.  They show a score from Jan 26, 2016.  Its 653.  Has to Be a fico 4.  Because my fico 8 was around 690 at the time.  Think i m gonna recon. my scores have climbed since account opening. Even though a CLI is never a guarantee, it sure would be nice.  I push the limit every month.   Does anyone know if I recon will cap one do a HP.

Message 7 of 8
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Re: Spark Card CLI decline using an OLD bureau!!

Probably would be a hard pull thats why Im not going to bother, not worth it for a CLI .. really thought they used TU but that might just be on the personal side ..oh well
TU-812 EQ-820 EX-807 - Barclays cash forward 30K, Lowes 25K, Amex Everyday 50K, Fidelity 25K, Care Credit 25k, Walmart 10K, Discover 41K, Chase Sapphire Pref 10K, Macys 9K, many other store and retail cards - Oldest line 14yrs - Average Age 2.5yr, 8% UTI, 11 open credit cards - $230k total limit
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