cancel
Showing results for 
Search instead for 
Did you mean: 

X1 Denied :(

Marths
Contributor

X1 Denied :(

Since this card seems to be all the rage these days I thought I'd provide some DP's on my denial. Smiley Sad 

 

Got the invite about a week ago and applied and was denied after I entered my info. Did not link bank accts or anything. 

 

Reason provided:

Too many past or present delinquent credit obligations with others

All of my delinquencies are due to fall off within the next 2 years as they are all 5+ years old. Zero collections and all baddies other than lates have been removed. I only have 1 120 day late and 3 or so 90 day's, and the rest of my profile is great. I have other cards with 5 figure limits that have excellent history.

 

Income: 120k 

EX Score: 726

 

The denial was a SP as well. 



265k FHA Home Loan @ 2.65%
19k Cap1 Auto Loan @ 2.65%

March 2019 - CK(TU-609, EQ-632),EX-590
May 2020 - CK (TU-673, EQ-666), EX-651
January 2022 - CK(TU-727, EQ-726),EX-704
Message 1 of 4
3 REPLIES 3
Adkins
Legendary Contributor

Re: X1 Denied :(

I'm sorry about your denial; the X1 card requires a clean credit report for an approval. My baddies were due to fall off in a few months and I got the same kind of denial. 

Last HP 11-01-2022



Message 2 of 4
Marths
Contributor

Re: X1 Denied :(

It seems they are particularly unforgiving with lates. I have read of approvals with various other baddies, however, lates seems to always result in a denial with them. 



265k FHA Home Loan @ 2.65%
19k Cap1 Auto Loan @ 2.65%

March 2019 - CK(TU-609, EQ-632),EX-590
May 2020 - CK (TU-673, EQ-666), EX-651
January 2022 - CK(TU-727, EQ-726),EX-704
Message 3 of 4
difringe
Established Contributor

Re: X1 Denied :(

Sorry for your denial...seems weird that a card being trumpted as a new way of working with credit would be that harsh on lates.

 

Credit scores already get killed by lates, so curious that a product that claims to be taking into account more than just your scores would be so harsh with lates. Might as well just use the scores lol

Message 4 of 4
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.