The screenshots of your credit profile are from Credit Karma which uses VantageScore 3.0 scores and not FICO scores. So they aren't relevant to the decision made by Goldman Sachs. Earlier in the thread you said your utilization is 49%. Assuming that your aggregate utilization, it would be a significant concern to any potential lender as it indicates you're carrying balances roughly equal to half of your available credit lines. Pay down those balances and your score will go up and you'll probably be approved.
The score itself came from my Discover Credit Scorecard and the rest of it (total accounts, average age) came from Credit Karma.
I appreciate the information and ultimately I agree. I always PIF, but I missed the reporting date on two of my cards by just a few a days for the first time ever so I'm going to have to wait 30 days or so to reapply. Oh well!
Same here. Seems they don’t want ANY bad stuff on your report. Which is... interesting.
Guess I’ll reapply in 2025. 😂
Not true. I have seen plenty of approvals with negatives on reports. Mine are too recent, and more to the point, a 654 FICO is not going to cut it with those derogitories.
I will try again soon, as long as the SP method is in place and my scores continue to improve.
Also, just FYI, the "early invitation to apply" email just came in, more than 12 hours after I applied via wallet.
Appears you have a really thin profile as well.. Newer to credit? I am just seeing this from your signature 4 cards if correct.. I also assume it is mainly due to utilization.