No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
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.
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.
@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
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 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?
Thanks.
I was wondering what the minimum score requirement was.
I got declined only because 660 Experian. They said I didn't meet minimum score requirement.
Now I'm at 676 and I might try again or wait till I hit 700.
I tried for this card and likely would have been approved aside from Plaid not being able to connect with AODFCU. I have run into this issue with funding new CU accounts a couple times as well. I think I may have to move my direct deposits as there is no reason to leave them there at this point if they are not up to speed tech wise.
Do you mean they use plaid to confirm income via your direct deposits ?
@rhapsody1 wrote:Do you mean they use plaid to confirm income via your direct deposits ?
Yes, Plaid will log in but there is always an error message in getting data or connecting.