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Yeah seems strange as that's the main reason it says for denial. The other reasons I posted say that's why my fico score is what it is. My only other inquiry was from Comenity in June of 2022 for Petco Card. I am at 8/24 new accounts though
They have to give anywhere from 1-4 reasons, in order of decreasing relevance in the decision-making process, from a vetted and approved list of (IIRC, about 80) phrases. When you have that few phrases available to choose from there's a decent probability that there is no 1 perfect match to the actual rationale for rejection to begin with, often coupled with the fact that it's an autobot making the selection. As a result one has to often try to read between the lines to figure out the exact reason(s) for the denial. Given the 1st reason you listed I suspect the biggest concern was the amount of current debt you're carrying vs. your gross income but that's just my opinion.
I 100% agree that my debt to income was a major factor.
@OneGun wrote:I didn't even read the very bottom lol.
Lack of first mortgage account information
Lack of installment account information
Not enough available credit on revolving accounts
To high proportion of accounts recently opened
EQ Fico was 713 at the time they pulled it
That AAA card is a VS4 application, VS scores considers inquiries for 24 not 12 months they also gave me a too many inquiries denial reason, I am pretty sure that is there general non specific statement when they don't like your profile but can't explain why. For me I suspect velocity I had something like 3 new accounts in 2 months.