FNBO Decline

[vikingred]

Score 704 EQ, INQ:22, income: mid-six-fig, no derogs, DECLINED.  Reconned with supervisor, very nice lady, says "You are triple over the limit in the number of INQs we like to see" and "INQs fall off in about 6 months so you're welcome to reapply".  Yikes, really?.  DECLINED. 

[Ghoshida]

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@vikingred wrote:

Score 704 EQ, INQ:22, income: mid-six-fig, no derogs, DECLINED.  Reconned with supervisor, very nice lady, says "You are triple over the limit in the number of INQs we like to see" and "INQs fall off in about 6 months so you're welcome to reapply".  Yikes, really?.  DECLINED. 

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So they seem like an inquiry sensitive lender. 

Their model probably dings your score far less for inquiries over 6 months old. Garden for a bit, if you will

[Anonymous]

My mother was declined for MUCH less INQ and EX FICO of 815. I'm trying to get her to call recon.

[Ghoshida]

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@Anonymous wrote:

My mother was declined for MUCH less INQ and EX FICO of 815. I'm trying to get her to call recon.

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Make sure they don't know that you're behind all this... 

BTW best of luck to your mother !

[CreditMagic7]

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@vikingred wrote:

Score 704 EQ, INQ:22, income: mid-six-fig, no derogs, DECLINED.  Reconned with supervisor, very nice lady, says "You are triple over the limit in the number of INQs we like to see" and "INQs fall off in about 6 months so you're welcome to reapply".  Yikes, really?.  DECLINED. 

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You might have done well to use this forums SEARCH feature for both APPROVALS & CREDIT CARDS before applying to FNBO.

They are notorious for denying on INQ's alone let alone new accounts etc. irregardless of healthy FICO scores.

I only had 8 INQ's last summer and they told me THAT was too many? They also pull ARS/IDS to weigh eligibility too.

[galahad15]

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@Anonymous wrote:

My mother was declined for MUCH less INQ and EX FICO of 815. I'm trying to get her to call recon.

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Please let us know and keep us posted on how everything turns out on the recon for your mother Nixon; best of luck to you guys & really hope they come around for your mother there!   

[vikingred]

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@CreditMagic7 wrote:

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@vikingred wrote:

Score 704 EQ, INQ:22, income: mid-six-fig, no derogs, DECLINED.  Reconned with supervisor, very nice lady, says "You are triple over the limit in the number of INQs we like to see" and "INQs fall off in about 6 months so you're welcome to reapply".  Yikes, really?.  DECLINED. 

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You might have done well to use this forums SEARCH feature for both APPROVALS & CREDIT CARDS before applying to FNBO.

They are notorious for denying on INQ's alone let alone new accounts etc. irregardless of healthy FICO scores.

I only had 8 INQ's last summer and they told me THAT was too many? They also pull ARS/IDS to weigh eligibility too.

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Yeah they weirded out on me for not being able to pull ARS/IDA, Innovis all that.  They had to manually ask me questions off my credit report.  They REALLY didn't like that. The lady asked me why I froze all those. 

[Anonymous]

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@vikingred wrote:

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@CreditMagic7 wrote:

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@vikingred wrote:

Score 704 EQ, INQ:22, income: mid-six-fig, no derogs, DECLINED.  Reconned with supervisor, very nice lady, says "You are triple over the limit in the number of INQs we like to see" and "INQs fall off in about 6 months so you're welcome to reapply".  Yikes, really?.  DECLINED. 

---

You might have done well to use this forums SEARCH feature for both APPROVALS & CREDIT CARDS before applying to FNBO.

They are notorious for denying on INQ's alone let alone new accounts etc. irregardless of healthy FICO scores.

I only had 8 INQ's last summer and they told me THAT was too many? They also pull ARS/IDS to weigh eligibility too.

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Yeah they weirded out on me for not being able to pull ARS/IDA, Innovis all that.  They had to manually ask me questions off my credit report.  They REALLY didn't like that. The lady asked me why I froze all those. 

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Lol, what a bunch of wacko's.

[vikingred]

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@Anonymous wrote:

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@vikingred wrote:

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@CreditMagic7 wrote:

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@vikingred wrote:

Score 704 EQ, INQ:22, income: mid-six-fig, no derogs, DECLINED.  Reconned with supervisor, very nice lady, says "You are triple over the limit in the number of INQs we like to see" and "INQs fall off in about 6 months so you're welcome to reapply".  Yikes, really?.  DECLINED. 

---

You might have done well to use this forums SEARCH feature for both APPROVALS & CREDIT CARDS before applying to FNBO.

They are notorious for denying on INQ's alone let alone new accounts etc. irregardless of healthy FICO scores.

I only had 8 INQ's last summer and they told me THAT was too many? They also pull ARS/IDS to weigh eligibility too.

---

Yeah they weirded out on me for not being able to pull ARS/IDA, Innovis all that.  They had to manually ask me questions off my credit report.  They REALLY didn't like that. The lady asked me why I froze all those. 

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Lol, what a bunch of wacko's.

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I know right?  Issue the friggin card or don't.  My god.  It's not the pentagon.

[JSS3]

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@vikingred wrote:

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@CreditMagic7 wrote:

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@vikingred wrote:

Score 704 EQ, INQ:22, income: mid-six-fig, no derogs, DECLINED.  Reconned with supervisor, very nice lady, says "You are triple over the limit in the number of INQs we like to see" and "INQs fall off in about 6 months so you're welcome to reapply".  Yikes, really?.  DECLINED. 

---

You might have done well to use this forums SEARCH feature for both APPROVALS & CREDIT CARDS before applying to FNBO.

They are notorious for denying on INQ's alone let alone new accounts etc. irregardless of healthy FICO scores.

I only had 8 INQ's last summer and they told me THAT was too many? They also pull ARS/IDS to weigh eligibility too.

---

Yeah they weirded out on me for not being able to pull ARS/IDA, Innovis all that.  They had to manually ask me questions off my credit report.  They REALLY didn't like that. The lady asked me why I froze all those. 

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What does the ARS/IDA reports tell them?