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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: 818TU 810EQ 813EX
Goal Score: 800 and higher across the board


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Avant 750
US Bank plat 12k
US Bank Cash+ 19k
Chase Sapphire Preferred 20k
Chase FU 6k
BB&T Bright 6.5k
BB&T Spectrum 6.5k
BB&T Spectrum2 9k
Apple Card 13k
Amazon Store Card 10k
NFCU More Rewards 16.3k
Home Depot 5k
Cap1 QS 2k
NFCU Flagship 29k
Tractor Supply SC 3.5k
Lowe’s 15k
Penfed Signature Rewards 15k
Penfed PCR 25k
NFCU Platinum 25k

AU Accounts
Discover 4k
JCP 5k
USAA 12.5k
Chase Southwest 7.9k


Inq's
LOL /12 -24
Message 11 of 29
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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 756 +
TCL - Est. $275K
Message 12 of 29
Highlighted
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
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Moderator

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

07/07/2020. Two years ago I learned hummus is not made out of goat cheese. Today I learned cows dont have upper front teeth.
Message 14 of 29
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Super Contributor

Re: US Bank approval chances?

US Bank uses FICO 9 for decisions now. 

Message 15 of 29
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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
Highlighted
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
Highlighted
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. 

Message 18 of 29
Highlighted
Moderator

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! 

 

07/07/2020. Two years ago I learned hummus is not made out of goat cheese. Today I learned cows dont have upper front teeth.
Message 19 of 29
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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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