X1 FICO requirements

[Secretchipmunk7]

Anyone know what the minimum FICO is required for X1?

I know 660 doesn't meet the minimum requirements...

Seems like 670 might be it...? 

Yes, they didn't use to care about score but they definitely do now.

Thanks 

[increasingmyfico]

670 has been the speculated answer for sometime 

[citymunky]

Score is not the main focus with X1, I was sent an invite late year or early this year and failed to meet their pre-approval, even with a score above 700. 

[Secretchipmunk7]

That's what I have been reading, the few times anyone says anything about it (670). Well I'm there now but I'm trying to wait on +730 for a app spree on Experian. 

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@increasingmyfico wrote:

670 has been the speculated answer for sometime 

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[Secretchipmunk7]

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@citymunky wrote:

Score is the main focus with X1, I was sent an invite late year or early this year and failed to meet their pre-approval, even with a score above 700. 

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I've heard of high scores being denied with them and I'm not sure if it's just the banking activity that causes the denial or something else. Maybe they are seeking people that likely won't pay their balance in full every month, I don't know. 

I cleared up all my inquiries on EQ and EX so I can do an app spree in the next few weeks. TU is a forever project... Was 28 and now I got it down to 18 ugh. 

[citymunky]

@Secretchipmunk7 @I meant to say "Not" the main focus. I really don't know why I was not pre-approved as I made a little over 90k when I applied. I do have a paid charge-off on my record, so maybe they were not a fan of that

[FinStar]

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@citymunky wrote:

@Secretchipmunk7  I meant to say "Not" the main focus. I really don't know why I was not pre-approved as I made a little over 90k when I applied. I do have a paid charge-off on my record, so maybe they were not a fan of that

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Unfortunately, they're not fans of BKs and/or blemishes based on what other members have posted as far as DPs. Sounds like that still applies now that it's available for the masses to apply, regardless of moderate or high incomes.

[805orbust]

Hey what is even the appeal if that card? Or am I just getting to the age where I'm not with it anymore?  🤣

[Adkins]

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@805orbust wrote:

Hey what is even the appeal if that card? Or am I just getting to the age where I'm not with it anymore?  🤣

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At the beginning, the appeal of the card was the high credit limits they were handing out. 

[FinStar]

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@805orbust wrote:

Hey what is even the appeal if that card? Or am I just getting to the age where I'm not with it anymore?  🤣

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Most individuals were drawn to the higher SLs being handed out like candy and the card being metal.