FNBO FordPass, experian locked when applied...

[Anonymous]

So I applied this weekend for a FordPass CC, I have a Taurus, and with over 115k miles on it it can be helpful. I fill the form, wait and then don't 7-10 days messages and a notification from experian that they blocked an attempt to credit check by FNBO! Of course they declined because they weren't able to pull my credit. I called them today and the super friendly CS told me to call back tomorrow and technically they can run it again and see. Now. I want to know if you think I have a chance or not. Right now my experian fico 8 is 680 and fico 8 bank card is 682, I just had my Macy's card and Lexus pursuit card reporting since today... (that's why I wanted to app for the Ford card this weekend) 12/12 8/6 average length of credit is 2y with 26 accounts (15 open and 11 closed). If I have no chance I can just wait a few months instead of wasting a pull for nothing

[FinStar]

I'm assuming your CRs were locked?  Did you unlock/unfreeze EX once you spoke with the representative?  

[Anonymous]

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@FinStar wrote:

I'm assuming your CRs were locked?  Did you unlock/unfreeze EX once you spoke with the representative?  

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Yes, I unlocked it right away but I have to call back during business hours tomorrow for them to check it.

[FinStar]

Ok.  I'd say unless you've opened a slew of new accounts and/or several inquiries in the past 12 months, then those odds may not be as good.  I think the only thing that may stand out is the utilization, but I think your chances are 50/50 - hopefully it will be a good outcome.

Keep us posted.

[CreditCuriosity]

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@FinStar wrote:

Ok.  I'd say unless you've opened a slew of new accounts and/or several inquiries in the past 12 months, then those odds may not be as good.  I think the only thing that may stand out is the utilization, but I think your chances are 50/50 - hopefully it will be a good outcome.

Keep us posted.

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Agree unless tons of new accounts you probably will be ok.. FNBO isnt so score driven..  Why is your score in the 680's though?  Any fairly recent baddies?

[Anonymous]

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@CreditCuriosity wrote:

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@FinStar wrote:

Ok.  I'd say unless you've opened a slew of new accounts and/or several inquiries in the past 12 months, then those odds may not be as good.  I think the only thing that may stand out is the utilization, but I think your chances are 50/50 - hopefully it will be a good outcome.

Keep us posted.

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Agree unless tons of new accounts you probably will be ok.. FNBO isnt so score driven..  Why is your score in the 680's though?  Any fairly recent baddies?

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I have a balance of $5200 on my discover (8K limit) I pay monthly but I thought it was good to let report a balance (i can pay some more before statement cut).

I have $2200 (0%) on my 12k CareCredit.

i have a closed discover (I'm an AU) with $1836 (on $2450cl).

i have a closed Amazon card with $1450 (on $2950cl). Account got closed in feb 2019. All my other accounts are at $0.

in March 2019 I had 5 late payments and that's it. All accounts are currents since then.