BOA declines a 810 credit score! What to do?

[Anonymous]

Discover gave him an instant 6k increase without a hard pull last week. So screw BOA IMO.   They like BOA because he gets zero interest zero transfer fees. I find that hard to believe however. We'll call Monday. See page two below. Just got it. They have more reasons than the main reason it seems. Yet his score reads 787 according to the very same letter! 

[Anonymous]

Yet his Experian report looks pretty good IMO. No reason to flat out deny him. Maybe he has a case.

[Anonymous]

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@Anonymous wrote:

Yet his Experian report looks pretty good IMO. No reason to flat out deny him. Maybe he has a case.

A case for what?

You orignally stated that his FICO score was 810 but the letter says its 787.  Why the discrepancy?

[Anonymous]

It's not "someone". It's an algorythm.

[Anonymous]

[Anonymous]

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@Anonymous wrote:

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That's a VantageScore 3.0 score, not a FICO 8 score.  Most lenders, including BofA pull FICO scores.

[Gmood1]

Oh those are Vantage scores. BofA doesn't use those.
The 787 is fine. Must be something else that's causing him to be denied.
MnB must have posted while I was responding. Lol

[Anonymous]

Just checked his TU. BOA Just issued him a 10k card in 11/2017. This is crazy. Should he mention that? I'd be scared to at this point>

[Anonymous]

This looks like a problem to me. Closed by GRANTOR and $500 limit with $16,104 high balance? What gives?

[CCrew]

Potentially had a higher credit limit that was subsequently reduced by BOA. I know in the 2008 timeframe when the economy tanked a lot of my wifes credit limits got reduced substantially.   Could obviously be a worse reason, but giving the benefit of the doubt here.