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Credit One PreQual Fail - Wrong CR pulled?

Your FICO® Scores can impact your loan interest rates, terms, approvals and more.
Valued Contributor

Re: Credit One PreQual Fail

My CreditOne score is 74

I'll stick with FICO




3/2016 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671.
>05/2019 CCT EX 804 TU 826 EQ 818
Thus will it come to pass. The Dying Leader will know the truth of the Opera House. The missing Three will give you the Five, who've come from the Home of the Thirteenth. You are the Harbinger of Death, Kara Thrace. You will lead them all to their End. End of line.
Message 11 of 12
New Member

Re: Credit One PreQual Fail - Wrong CR pulled?


@Dilbert934 wrote:

I saw in my USPS Informed Delivery that I was getting a solicitation from Credit One today, so I checked out their website and saw a prequal.  Tried it and failed miserably, but am a bit confused why.

Number of Auto Trades

I have ONE auto loan

Balances relative to credit limits reported on revolving accounts
I'm at 3.5 percent utilization

 

Balances relative to credit limits reported on revolving accounts and age of trades
I have one card with a 15% util.  Others are well below 8.9%.

AAoA is 20 years

 

Number of Inquiries
I have 2 EX.  One from August of 2017 and one from Nov 2018 which was for an Apartment lease.

 

Now this one is the kicker....
Credit Score: 332

 

My last EX that was pulled by Amex on 4/4 was 733!  WTH?  Could they have pulled the wrong file from EX?


Yikes man, don't bother with Credit One. They are notoriously bad. 

Starting Score: 600
Current Score: 657
Goal Score: 720


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Message 12 of 12