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X1 approval data points

Dgoins08
New Visitor

X1 approval data points

Hi

new to the forum finally received my X1 invite and I've been trying to find data points to see if it is worth applying. I know they currently pull from experian my EX fico is 658 136k income and DTI is 20%. Just trying to see if anyone has seen someone approved with similar data points. I'm currently gardening don't need the card but I am open to increasing my overall utilization if I am approved. 

5 REPLIES 5
CYBERSAM
Valued Contributor

Re: X1 approval data points

So far with X1 you can get approved with SP and once you except the offer then is HP through Experian!

They are sensitive to BK and require income verification.

I have seen some approvals around your score, so good luck!





Message 2 of 6
increasingmyfico
Regular Contributor

Re: X1 approval data points

Unofficial report is that they require a 670 minimum. They pull Exp fico 8. There are people who say they have got approved with lower scores but no telling what version they are looking at. It's a soft before you accept an offer though so even if you're denied it won't hurt you.. you can just say you're doing it for science. 


Message 3 of 6
bigseegar
Established Contributor

Re: X1 approval data points


@Dgoins08 wrote:

Hi

new to the forum finally received my X1 invite and I've been trying to find data points to see if it is worth applying. I know they currently pull from experian my EX fico is 658 136k income and DTI is 20%. Just trying to see if anyone has seen someone approved with similar data points. I'm currently gardening don't need the card but I am open to increasing my overall utilization if I am approved. 


I don't think you'll be approved with that FICO score

Message 4 of 6
Mdowning30
Frequent Contributor

Re: X1 approval data points

I was denied not because of my scores but the income i put was either $45K or $50K which was a bummer, if i was able to put my total income i might have been approved.

Chase Freedom Unlimited (1/2022): $1500 | Discover It Chrome (5/2022): $2000 | AmEx Charles Schwab Investor Card (5/2022): $6000 | Chase Sapphire Preferred (6/2022): $5000 | Chase Amazon Prime Rewards (7/2022): $500
Total Credit Limit : $15000
As of 4/2022: Experian FICO 8 : 659 | Experian Vantage : 677 | Equifax FICO 8 : 622 | MyEquifax : 630 | TransUnion FICO 8 : 629 | TransUnion Vantage : 677
Starting Score: 512
Current Score: 659
Goal Score: 670+

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Message 5 of 6
GatorGuy
Established Contributor

Re: X1 approval data points


@Mdowning30 wrote:

I was denied not because of my scores but the income i put was either $45K or $50K which was a bummer, if i was able to put my total income i might have been approved.


@Mdowning30 Why didn't they allow you to use your real income?

Message 6 of 6
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