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US Bank approval chances?

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Frequent Contributor

Re: US Bank approval chances?

They pulled TU, I just wonder if it was fico 2,4,5,8 or 9


Starting Score: Jan 2011-600TU 598 EQ
Current Score: 795TU 800EQ 772EX
Goal Score: 800 and higher across the board


Take the FICO Fitness Challenge

Inquiries:
EX: 2 / 12 months 7 / 24 - 1 June 2019 CSP APP, 6 in 2018 3 are auto finance inquiries 1 is sync listed as sales finance company and 2 are credit card
EQ: 1/24 June 2019 CSP

APP
TU: 3 / 24 - May/June 2019 USB x 2 avant x 1

Currently 7/24 CC’s
23/24 INQ’s due to auto loan
Avant 750
US Bank plat 3.5k
US Bank Cash+ 14k
Chase Sapphire Preferred 20k
Chase FU 6k
BB&T Bright 6.5k
BB&T Spectrum 6.5k
Apple Card 5k
Amazon Store Card 6k
NFCU More Rewards 7.8k
Message 11 of 29
Valued Contributor

Re: US Bank approval chances?

I've generally seen Fico 8 but not sure if I have seen 8 only or 9 too.


Scores - All bureaus 750 +/-
TCL - Est. $275K
Message 12 of 29
Frequent Contributor

Re: US Bank approval chances?

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 Smiley Mad) they pulled EQ. So... YMMV 


Message 13 of 29
Community Leader
Mega Contributor

Re: US Bank approval chances?

@Caardvark. not to derail the thread but what was the denial reason?

 

I am currently groveling big time over AR

EX 759 EQ 774 TU 753


Message 14 of 29
Super Contributor

Re: US Bank approval chances?

US Bank uses FICO 9 for decisions now. 



01/2019:
10/2019:

Hover over my cards to see my limits!
Goal cards: Cash+, Freedom.
Message 15 of 29
Valued Contributor

Re: US Bank approval chances?


@Saeren wrote:

US Bank uses FICO 9 for decisions now. 


That's a huge change from the mortgage scores they were using previously.

500K+ TCL / 800+ FCOs
Message 16 of 29
Frequent Contributor

Re: US Bank approval chances?

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."Smiley Wink

 

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


 


Message 17 of 29
Super Contributor

Re: US Bank approval chances?

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. 



01/2019:
10/2019:

Hover over my cards to see my limits!
Goal cards: Cash+, Freedom.
Message 18 of 29
Community Leader
Mega Contributor

Re: US Bank approval chances?


@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."Smiley Wink

 

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


 


You're my spirit animal Smiley LOL

When my time to apply comes, I am asking for video chat, so they can see the tears rolling down my cheeks. 

 

Sorry OP! 

 

EX 759 EQ 774 TU 753


Message 19 of 29
Valued Contributor

Re: US Bank approval chances?

I'm thinking with all of the changes mentioned in this thread it's time to compile a USB Datapoints Thread to track things.

500K+ TCL / 800+ FCOs
Message 20 of 29
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