FNBO direct offer? any chance

Anonymous · ‎01-19-2015

ok so this week got a "pre screeened offer" from FNBO for the premium visa, thought it was trash after reading here I see they are a pretty decent bank, went online put in the reservation and app number...got the 2-4 week message...I know this is somewhat normal for them, question is what do you think odds are?? They only pulled experian

TU=705 vantage score

Ex=675 (new FICO) 710 EX plus

equifax=679

freedom card-3k

credit union 2.5k

sportsman visa 2.5k

barclay rewards 4k

1 collection medical

Anonymous · ‎01-19-2015

@Anonymous wrote:
ok so this week got a "pre screeened offer" from FNBO for the premium visa, thought it was trash after reading here I see they are a pretty decent bank, went online put in the reservation and app number...got the 2-4 week message...I know this is somewhat normal for them, question is what do you think odds are?? They only pulled experian

TU=705 vantage score
Ex=675 (new FICO) 710 EX plus
equifax=679

freedom card-3k
credit union 2.5k
sportsman visa 2.5k
barclay rewards 4k
1 collection medical

How old is the collection?

whats your AAOA?

and any new accounts/inquires in the past 6 months?

Anonymous · ‎01-19-2015

collection 2 years old

AAoA 4.8 yrs

new car lease in last 2 months

sportsman was a sp

4 inquiries in 6 months

a few more cards not in siggy that are store etc..

gdale6 · ‎01-19-2015

@Anonymous wrote:
collection 2 years old
AAoA 4.8 yrs
new car lease in last 2 months
sportsman was a sp
4 inquiries in 6 months

a few more cards not in siggy that are store etc..

They are a conservative lender, if that collection is unpaid its probably going to be a killer, you may be able to get by otherwise.

Anonymous · ‎01-19-2015

@Anonymous wrote:
collection 2 years old
AAoA 4.8 yrs
new car lease in last 2 months
sportsman was a sp
4 inquiries in 6 months

a few more cards not in siggy that are store etc..

One thing that would cause a denial would be the recent collection, not sure how FNBO looks on those, but if anything just call, maybe they just need a simple verification

Anonymous · ‎01-19-2015

i had a fnbo card briefly in 2013 and they all but cut me off after a late payment showed up on my report. I canceled the card. Beware.

atd1970 · ‎01-20-2015

When I applied I got the same message. The CCC called me the next day and asked a few verification questions, and I was approved.

You could call and ask if they require any information. Also, there is a online link to check app status.

The number is 1-800-444-6220 if that is any help

Involver · ‎01-20-2015

They also pull ARS so they will see more than just the INQs on your EX.

From what I've read and experienced, their preapprovals seem to be pretty solid. Good luck!

Anonymous · ‎01-20-2015

Hmm. I got one too a few weeks ago. It was sent under my married last name (took my maiden name back after the divorce), so the letter was tossed. Just as well.