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They pulled TU, I just wonder if it was fico 2,4,5,8 or 9
They are a known TU puller. I got the cash+ in October and they pulled TU. However, on my recent app for the Altitude Reserve they pulled EQ. And, upon recon (was denied ) they pulled EQ. So... YMMV
@Caardvark. not to derail the thread but what was the denial reason?
I am currently groveling big time over AR
US Bank uses FICO 9 for decisions now.
@Anonymous wrote:US Bank uses FICO 9 for decisions now.
That's a huge change from the mortgage scores they were using previously.
Too many new accounts in the past 12 months. I've opened 5 in the past 12 months with the most recent one being 8 months ago (coincidentally that was my cash+). She suggested I try again in 3-6 months.
I asked if groveling would help but she said, "No." I reiterated that begging is not beneath me and at that point she said "this is getting weird."
While I did open five accounts in 12 months I figured hoped my spend would make a compelling case but it was not to be.
@Remedios wrote:@Caardvark. not to derail the thread but what was the denial reason?
I am currently groveling big time over AR
I just got the same 12 month denial on my Cash+ app. Apparently between April and now they changed it from 6 to 12 months.
@Caardvark wrote:Too many new accounts in the past 12 months. I've opened 5 in the past 12 months with the most recent one being 8 months ago (coincidentally that was my cash+). She suggested I try again in 3-6 months.
I asked if groveling would help but she said, "No." I reiterated that begging is not beneath me and at that point she said "this is getting weird."
While I did open five accounts in 12 months I
figuredhoped my spend would make a compelling case but it was not to be.
@Remedios wrote:@Caardvark. not to derail the thread but what was the denial reason?
I am currently groveling big time over AR
You're my spirit animal
When my time to apply comes, I am asking for video chat, so they can see the tears rolling down my cheeks.
Sorry OP!
I'm thinking with all of the changes mentioned in this thread it's time to compile a USB Datapoints Thread to track things.