App Spree Summary

[randomguy1]

Sorry for the denial. What is your x/6 & x/12 for new cards?

[jasonbourne84]

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@coldfusion wrote:

Sorry you were denied.  WF I believe pulls EX9.

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Thanks for that info! This thread thinks otherwise (please contribue DPs if you have them!), but just in case and for refernce here, my EX FICO9 was 756.

[jasonbourne84]

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@randomguy1 wrote:

Sorry for the denial. What is your x/6 & x/12 for new cards?

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Great questions in light of US Bank's recent 1/12 policy.   But I was 0/6 and 0/12.

[jasonbourne84]

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@blindambition wrote:

I'm sorry about the denial! Have you tried recon with back door number. I remember quite a few recon success on Uber release. Worth a try!!

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Interesting. Haven't, but I'll give it a try. You mean at this number (800-354-0401) on this thread, right? 

[blindambition]

Sorry for your denial. TD has shown to be more sensitive on their cards, both store and co-branded.

[blindambition]

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@jasonbourne84 wrote:

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@blindambition wrote:

I'm sorry about the denial! Have you tried recon with back door number. I remember quite a few recon success on Uber release. Worth a try!!

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Interesting. Haven't, but I'll give it a try. You mean at this number (800-354-0401) on this thread, right? 

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Yes, from that thread. 😊 

[jasonbourne84]

@blindambition Thanks. I like cross references, especially for lurkers /newbies. 

[jasonbourne84]

DH and I closed on our mortgage yesterday (9.16.2020). Obviously, it's not reported yet. So, we decided to go on an app spree before gardening for... ever? 

Today, he apped for: 

• Bank of America KLM World Elite Mastercard. They pulled EX. I don't yet know what specific score they pulled (I will update if i learn). For reference, his EX FICO8 was 712. He was denied. I am 100% certain that they only pulled EX. 

[AllZero]

That is unfortunate about DH denial. Hope DH get better luck next time.

[blindambition]

Sorry about the denial! You can try recon, but new account and inquiry sensitive. They have been following 1/12 pretty religiously.