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!
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.
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.
@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.