App Spree Summary

[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? 

Yesterday, I apped for: 

• US Bank Cash+ Visa. I apped from within my bank account (I've banked with them for more than 12 years). They pulled TU. I don't yet know what specific score they pulled (I will update if I learn), but have no reason to doubt that it was TU FICO9. Mine was 772; I was denied. A very kind rep explained that it was likely b/c of my lates (90+) from 2018 that are just under 24 months ago. I'm 100% certain that they only pulled TU. 

[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? 

Yesterday, I apped for: 

• Wells Fargo Platinum Visa. I don't know which score yet (I will update if i learn), but I have no reason to doubt that it's EX FICO8. Mine was 744. I was denied. I'm 100% certain that they only pulled EX.

[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, I apped for: 

• Barclays Wyndham Rewards Visa. They pulled TU. I don't know which score yet (I will update if i learn). I was denied. I'm 100% certain that they only pulled TU. For reference, my TU FICO8 was 733. My TU FICO9 was 772. My TU FICO BANKCARD8 was 748.

[AllZero]

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

[AllZero]

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

[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? 

Yesterday, I apped for: 

• TD Bank Nordstrom Visa. They pulled EX. I don't know which score yet (I will update if i learn), but I have no reason to doubt that it was EX FICO8. For reference, my TU FICO8 was 733. My TU FICO9 was 772. My TU FICO BANKCARD8 was 748. I got "we need more information, please call us" message. Did so right away. A nice gentlemen then told me that I was DENIED based on INQs (4 on EX in last 30 days) (I mean, at that point, can you blame them? lol). 

[AllZero]

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

[AllZero]

Good luck on our application! May the odds be ever in your favor.

[blindambition]

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!!

[coldfusion]

Sorry you were denied.  WF I believe pulls EX9.