@Anonymous wrote:My mother was declined for MUCH less INQ and EX FICO of 815. I'm trying to get her to call recon.
Are you serious??? With her profile they should be thanking her just for considering them. I might have to temporarily shove FNBO with Simmons Bank in the corner. 
INQ sensitive?
Whoa, I have 14 on Eq so I'm shocked my app is still pending since Saturday, 2 days ago. They must be so busy they haven't been able to update my status to denied!
They'd have been apoplectic if they checked Ex! >40 INQS
@stagefoursurvivor wrote:INQ sensitive?
Whoa, I have 14 on Eq so I'm shocked my app is still pending since Saturday, 2 days ago. They must be so busy they haven't been able to update my status to denied!
They'd have been apoplectic if they checked Ex! >40 INQS
With FNBO every application is a manual review. They do not have an automated system. A person will actually look at your report for review. That is why they always have a pending status for a few days.
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
June 2017 update: All scores over 820, just pure gardening now.
@vikingred wrote:
@CreditMagic7 wrote:
@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.
Because it is a consumers LEGAL RIGHT to do so. Ugh.
On the up side if they do let you into an agreement, they are known to do SP CLI's on a regular basis.
But whatever floats their boat, i had my own funky results with them blah, blah, blah for just a few inquiries, ate the HP that they wasted and place them on my own lifetime BLACKLIST to avoid in the future. Way too picky 4 me 
@Shogun wrote:With FNBO every application is a manual review. They do not have an automated system. A person will actually look at your report for review. That is why they always have a pending status for a few days.
FWIW, in my case, I received a message back saying I was instant-approved immediately after applying, and then sent an official formal approval e-mail about 3-4 days after the initial auto-approval. (Approved with 7 EX inquries, 649 EX credit score.)
@Shogun wrote:
@stagefoursurvivor wrote:INQ sensitive?
Whoa, I have 14 on Eq so I'm shocked my app is still pending since Saturday, 2 days ago. They must be so busy they haven't been able to update my status to denied!
They'd have been apoplectic if they checked Ex! >40 INQS
With FNBO every application is a manual review. They do not have an automated system. A person will actually look at your report for review. That is why they always have a pending status for a few days.
LOL, yeah I read that every app is reviewed. I just figured mine would be a "quickie" as soon as they saw the INQs. Makes any additional review unnecessary. You know..."who put this bum on my desk"? Shredit & forgetit!