The last time I checked which was about 3 weeks ago; my Transunion fico score was 656, my Experian fico score was 660, and my Equifax fico score was 662. I have no lates, no collections, no bankruptcy, no negatives on my credit report at all. My utilization was and should still be at 32%. I don’t know if my students loans factored into their decision because that’s about $50,000 and I make less than that per year. Also, I do have a lot of inquires on each report. I just started gardening until 2020 so I thought I would give it a try and report to you guys how it came out. I honestly didn’t expect they would approve me because my scores are low. They haven’t told me the reason for the denial yet. If I had to guest I would say the 5/24 rule. That was the only reason Chase had given me when I applied for one of their cards recently. I would say that if someone has a better credit profile they can give it a try. But honestly, I dont think it matters. I feel like it was just a way to get people to apply for a card with them.
