FINAL CARD AND SCORE

[Anonymous]

Appears the FINAL card company uses somrthing other than FICO 8....I applied and the letter stated my EX score  was 45 points lower than Fico 8....

[Anonymous]

FICO 9, specifically BANKCARD 9 variant. We wrote a blog post about how confusing FICO can be here: https://getfinal.com/company-news/2017/04/11/what-Is-your-FICO-score/

[fltireguy]

Who is "WE"? Do you work for Final?

[Anonymous]

Yep, this is me: <mod edit>  I'm sorry, personal contact into isn't permitted on this site.  UncleB, myFICO Moderator

[Anonymous]

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@Anonymous wrote:

Yep, this is me: <mod edit>

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LoL...Good one....arfrank, can we discuss my decline?

[Anonymous]

No, unable to discuss specific customer matters, but I'm here to provide answers for what I can. Verification: <mod edit>

Edit: And that is an overarching policy, unable to discuss any specifics at all related to applications or customers. 

[Anonymous]

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@Anonymous wrote:

No, unable to discuss specific customer matters, but I'm here to provide answers for what I can. Verification: <mod edit>

Edit: And that is an overarching policy, unable to discuss any specifics at all related to applications or customers. 

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Bummer, was hoping to get the card.....all the auto inq hurt me....**bleep** car guys

[Anonymous]

**bleep** car guys indeed, sorry to hear that.

[medicgrrl]

Are you here to get feedback or just checking out why people like your competition?

[Anonymous]

Disappointed you're not bankruptcy friendly at all. My BK is 5 years out and I was declined with an EX score in the 700s