Also a bit of a shock> 725 FICO....confirmed. No collections. I dont carry any debt other than my car lease and student loans which are $0 because I qualify for income based repayment. That being said I sat down and wrote a litter and even detailed my monthly budget. I have $5000 in savings...after expense each month I have $1,200 in deposable income....DENIED....??? yes. I just guess they dont like my name.
oh and credit karma...they really dont do a great job. Their scores are all over the place: I have all my scores from the Credit Bureaus...and Credit Karma is WAY off..I had just two enquires and they said my score dropped 35 points...they dont respond so I will just go ahead and get a " real" fico tracking company. Oh and I was approved for a credit card from another company.
