Aspiration Denial

[mrtech3]

I applied back on Dec 4, 2021 with an EX FICO of 715...My guess is Beneficial State Bank is using an older version of either an auto lending score or mortgage score because the denial letter shows up today and states that my 650 score was below the 670min....Oh well...win some lose some...

[bmis42988]

I also got denied with a with an EX fico of 696 and i got the email and the score was correct. It says i was denied because of "level of delinquincy on accounts". I have 1 30 day late payment from about 3 and a half years ago. 

[mrtech3]

Found out they use the EX vantagescore...no wonder.....

[4sallypat]

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@mrtech3 wrote:

Found out they use the EX vantagescore...no wonder.....

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Yup, found out after I applied and got their credit score report - EX VS 3.0.

My lowest score at 719 - almost as low as my mortgage score.

Compared to EX 09 at 775 - what a major difference!