CSP Denied

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

Sorry to hear... How many new accounts do you have?  But if the score was 604, then that is defiantely not good-

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I actually had a manual review from a very nice analyst. Did not mention anything about the score, just got the letter today and it's showing that score though.. It was In low 700s on all three bureaus before my Citi balance hit. I have about 6 months on AAoA on my own, my brother had me on two of his cards with 3+ years of solid history.

Capital One QS Visa 4500 AU

Capital One Plat MC 1000

Amex ED 2500

Citi DP 5400

Amazon Visa 2500

Discover It 2500 AU

Amex PGR

Paypal Credit 700

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The analyst may not have said anything about the score, but it is certainly a factor. If you had a Fico of 800 and a lengthy AAoA, an approval would have been forthcoming. It's always a combination of everything, including score.

[CreditCuriosity]

People in the 630's get approved for the CSP/Marriort/Ritz etc... Chase is kinda weird what they look at.. Yes Fico does have a big impact, but not the end all be all.. Your whole profile as a whole meaning report, income among tons of other factors that I still don't all understand and never will.. 

[Credit-hoarder]

I could be wrong---or the letters could have changed since then. But I'm pretty sure I saw an Ex. score on mine. Like you said it's all good.

[CreditCuriosity]

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@Credit-hoarder wrote:

I could be wrong---or the letters could have changed since then. But I'm pretty sure I saw an Ex. score on mine. Like you said it's all good.

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Nah you aren't wrong.. They either provide you with your Fico score or the Cars score, not both or at least I never seen both in a letter...  What determines which score they provide you with I don't know.. I have received both on different cards/apps..  Just only made since to me since such a big difference when I heard his Fico and the score provided to him it just rang a bell in my head is all

[Credit-hoarder]

@CreditCuriosity: You're absolutely right....they're making VERY LITTLE sense to me right now (Chase)....they shouldn't be dissing someone who's managed to climb their way back out from being in credit hell.

[pennccrn]

Anyone have any additional tips that will make your app standout and improve your odds. Have about a FICO 760-770 between the bureaus. AAoA is about 6 years, total history about 15 years. I have 1-2 inquriers between each bureau (2 with TU, 1 with EQ and 0 with EX). I'm in grad school now full-time so my income dropped significantly also I have some student loan funding on my CR, so I don't plan on applying now - I likely look like a train wreck to creditors. Just trying to position myself for the future.  Thanks !

PS. If anyone can point me to a thread that discusses this, I'd greatly appreciate it.

[TRC_WA]

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@Anonymous wrote:

Applied for CSP and denied for new accounts, and also revolving debt too high to credit limits. The utility probably on a BT I did on my Citi card, 4300/5400 which apparently killed my Equifax score went from 724 to 604 which is what they pulled.

I'm in Texas, was approved for their Amazon Visa about two weeks ago for $2500. Just so everyone can get an idea if you are planning to apply for CSP. Rep told me they just want to see acitivity in new accounts to approve me in 6-12 months.

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There's no way your score drops 120 points from that BT.

It has be something else...

[Existentialist]

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@TRC_WA wrote:

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@Anonymous wrote:

Applied for CSP and denied for new accounts, and also revolving debt too high to credit limits. The utility probably on a BT I did on my Citi card, 4300/5400 which apparently killed my Equifax score went from 724 to 604 which is what they pulled.

I'm in Texas, was approved for their Amazon Visa about two weeks ago for $2500. Just so everyone can get an idea if you are planning to apply for CSP. Rep told me they just want to see acitivity in new accounts to approve me in 6-12 months.

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There's no way your score drops 120 points from that BT.

It has be something else...

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+1.  Said to myself the EXACT same thing.