US Bank Cards

[ChazzieT]

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@Anonymous wrote:

Without analyzing the underlying algrithms that go into the approval process, there is no real way to know what exactly they are looking for. 

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Of course we won't "know what exactly they are looking for", but if that's sufficient reason to not try my experiment, then it's sufficient reason to shut down my FICO and delete all the posts.

Maybe I misunderstand the purpose of these forums, but I was drawn here to share information in order to try and develop strategies that help people overcome the fact that "there is no real way to know what exactly they are looking for".

Just my $0.02 🙃

[credit_is_crack]

Looks like this card is all over the place with who they pull. I saw one poster say TU, then someone a bit upthread said EX. My sister applied yesterday and got the alert today - they pulled EQ. lol they're on to us lol

[Anonymous]

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@credit_is_crack wrote:

Looks like this card is all over the place with who they pull. I saw one poster say TU, then someone a bit upthread said EX. My sister applied yesterday and got the alert today - they pulled EQ. lol they're on to us lol

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Ugh. Just so long as they don't pull an F9 score. That score hates me by 100pts. Only one that has me on a dirty scorecard. 

[ChazzieT]

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@Anonymous wrote:

Ugh. Just so long as they don't pull an F9 score. That score hates me by 100pts. Only one that has me on a dirty scorecard. 

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@Anonymous response from AMA link posted earlier in this thread (mid-late 2018, I think):

"Chasing750, my old TM reached out. She said she spoke with a current Solutions rep that stated they do in fact use the FICO 9 scoring model now. "

[ChazzieT]

https://ficoforums.myfico.com/t5/Credit-Cards/Former-U-S-Bank-Solutions-Rep-Ask-me-anything/td-p/536...

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Towards the end, after page 8.

[Anonymous]

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@ChazzieT wrote:

https://ficoforums.myfico.com/t5/Credit-Cards/Former-U-S-Bank-Solutions-Rep-Ask-me-anything/td-p/536...

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Towards the end, after page 8.

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@Remedios  Did txting them sad love songs work? because that sounds like it'll be my only option until VZW changes how they report something (triggers F9, not any other score model) or it eventually falls off.  It isn't a valid mark, paid account, should never have been reported by vzw, but vzw completely ignores all disputes.  Actually, worse, every time you dispute, they change SOMETHING to make it even worse.  Thank God it doesn't seem to affect my mortgage scores or F8. 

Actual message in the thread is linked here, in case anyone else goes looking: 

https://ficoforums.myfico.com/t5/Credit-Cards/Former-U-S-Bank-Solutions-Rep-Ask-me-anything/m-p/5372...

:-( :-( :-( :-( :-(

@credit_is_crack  - Your chart still shows F8 usage for eq and ex for US Bank.  Have you heard recent examples? 

[Remedios]

They will pull FICO 9 classic. 

[Remedios]

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@Anonymous wrote:

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@ChazzieT wrote:

https://ficoforums.myfico.com/t5/Credit-Cards/Former-U-S-Bank-Solutions-Rep-Ask-me-anything/td-p/5365774

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Towards the end, after page 8.

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@Remedios  Did txting them sad love songs work? because that sounds like it'll be my only option until VZW changes how they report something (triggers F9, not any other score model) or it eventually falls off.  It isn't a valid mark, paid account, should never have been reported by vzw, but vzw completely ignores all disputes.  Actually, worse, every time you dispute, they change SOMETHING to make it even worse.  Thank God it doesn't seem to affect my mortgage scores or F8. 

Actual message in the thread is linked here, in case anyone else goes looking: 

https://ficoforums.myfico.com/t5/Credit-Cards/Former-U-S-Bank-Solutions-Rep-Ask-me-anything/m-p/5372355/highlight/true#M1593070

:-( :-( :-( :-( :-(

@credit_is_crack  - Your chart still shows F8 usage for eq and ex for US Bank.  Have you heard recent examples? 

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I got approved for AR three days after sending them "Nothing compared 2 U" 😂

As far as that thread, dare i suggest a grain of salt be used ...that's all I'm going to say about that. 

[Anonymous]

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@Remedios wrote:

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As far as that thread, dare i suggest a grain of salt be used ...that's all I'm going to say about that. 

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Heard.

[credit_is_crack]

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@Anonymous wrote:

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@ChazzieT wrote:

https://ficoforums.myfico.com/t5/Credit-Cards/Former-U-S-Bank-Solutions-Rep-Ask-me-anything/td-p/5365774

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Towards the end, after page 8.

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@Remedios  Did txting them sad love songs work? because that sounds like it'll be my only option until VZW changes how they report something (triggers F9, not any other score model) or it eventually falls off.  It isn't a valid mark, paid account, should never have been reported by vzw, but vzw completely ignores all disputes.  Actually, worse, every time you dispute, they change SOMETHING to make it even worse.  Thank God it doesn't seem to affect my mortgage scores or F8. 

Actual message in the thread is linked here, in case anyone else goes looking: 

https://ficoforums.myfico.com/t5/Credit-Cards/Former-U-S-Bank-Solutions-Rep-Ask-me-anything/m-p/5372355/highlight/true#M1593070

:-( :-( :-( :-( :-(

@credit_is_crack  - Your chart still shows F8 usage for eq and ex for US Bank.  Have you heard recent examples? 

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Thanks @Anonymous  and @Remedios -- I did have on the chart that they heavily pull TU F9, but I still see from time to time they'll pull EX/EQ F8. Are you saying they exclusively pull TU F9 and have stopped the EX/EQ stuff?