WF Reflect and Truist Future Double Decline

[pi-r-squared]

Not surprised with their decisions.  Debt too high is probably the likely reason whenever I get their letters.  Would have liked to BT but oh well....

I, however, do not understand why hard pulls weren't done for either one???  I figured I'd have been alerted by now but nothing!

[pi-r-squared]

I finally see two hard pull alerts...  But my score didn't change.  I thought I'd drop 3-5 points for each pull but I guess I got lucky.

[SUPERSQUID]

My personal experience with preapprovals from WF and Truist are not good.

A while back I had preapproval for both and when I applied I got shot down and just added 2 hp's to my records.

Bank of America also did the same thing to me, ymmv.

[Focus281]

Sorry about the decline, do you have any data points? Like what was your score?

was your cc utilization high? Over 30 percent or maxed out?

I wish pre approval were  more reliable.

[pi-r-squared]

My overall Util is 32%.  All 3 FICO scores in the 700-725 range.  

[Focus281]

Thanks for data points