bbva compass 7-10 message

[Anonymous]

So I just applied today( Sunday) for the BBVA Am Ex card and got the 7-10 message. Is this a flat out denail for this card or has anyone got this message yet been approved? My scores are 699 tu, 692 eq, 685 ex with 5% util, no derogs, 11-12 inq on each cb with about 6 new accounts in last 90 days. Is there a rec number ?  

[tonyjones]

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@Anonymous wrote:

So I just applied today( Sunday) for the BBVA Am Ex card and got the 7-10 message. Is this a flat out denail for this card or has anyone got this message yet been approved? My scores are 699 tu, 692 eq, 685 ex with 5% util, no derogs, 11-12 inq on each cb with about 6 new accounts in last 90 days. Is there a rec number ?  

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Pretty much a denial. How thin/thick is your file?

[Anonymous]

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@Anonymous wrote:

So I just applied today( Sunday) for the BBVA Am Ex card and got the 7-10 message. Is this a flat out denail for this card or has anyone got this message yet been approved? My scores are 699 tu, 692 eq, 685 ex with 5% util, no derogs, 11-12 inq on each cb with about 6 new accounts in last 90 days. Is there a rec number ?  

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It could be both ways... my co-worker got the same message. He never called because he thought it was a denial. However, two weeks later he received the card with a $5K limit.

[taxi818]

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@Anonymous wrote:

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@Anonymous wrote:

So I just applied today( Sunday) for the BBVA Am Ex card and got the 7-10 message. Is this a flat out denail for this card or has anyone got this message yet been approved? My scores are 699 tu, 692 eq, 685 ex with 5% util, no derogs, 11-12 inq on each cb with about 6 new accounts in last 90 days. Is there a rec number ?  

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It could be both ways... my co-worker got the same message. He never called because he thought it was a denial. However, two weeks later he received the card with a $5K limit.

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+1

[12njoy]

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@Anonymous wrote:

So I just applied today( Sunday) for the BBVA Am Ex card and got the 7-10 message. Is this a flat out denail for this card or has anyone got this message yet been approved? My scores are 699 tu, 692 eq, 685 ex with 5% util, no derogs, 11-12 inq on each cb with about 6 new accounts in last 90 days. Is there a rec number ?  

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Could go either way.  I got the message and was denied most likely because I have IDS and ARS on ice.

[taxi818]

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@12njoy wrote:

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@Anonymous wrote:

So I just applied today( Sunday) for the BBVA Am Ex card and got the 7-10 message. Is this a flat out denail for this card or has anyone got this message yet been approved? My scores are 699 tu, 692 eq, 685 ex with 5% util, no derogs, 11-12 inq on each cb with about 6 new accounts in last 90 days. Is there a rec number ?  

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Could go either way.  I got the message and was denied most likely because I have IDS and ARS on ice.

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What? are you saying or have info that they check they little bureaus?

[Anonymous]

Hard to say. They will probably manually review it. Your 685 Ex is within range for probably 19% interest. The limit comparable or a little higher than your highest reported, BUT, that's a lot of inquiries and new accounts.

You probably have a 40/60 chance at this point.

[12njoy]

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@taxi818 wrote:

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@12njoy wrote:

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@Anonymous wrote:

So I just applied today( Sunday) for the BBVA Am Ex card and got the 7-10 message. Is this a flat out denail for this card or has anyone got this message yet been approved? My scores are 699 tu, 692 eq, 685 ex with 5% util, no derogs, 11-12 inq on each cb with about 6 new accounts in last 90 days. Is there a rec number ?  

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Could go either way.  I got the message and was denied most likely because I have IDS and ARS on ice.

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What? are you saying or have info that they check they little bureaus?

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We had a little discussion when a few of us were denied by BBVA.  They couldn't verify my identity.  They pulled EX on me but I have those two little one's on ice so my conclusion is that they get data from them too.  Like US Bank does.

[Pitt570]

i would think 50/50...i was approved with lower scores and more inq than you....i was approved for low limit at 4.5k but ill take it..

[CreditCuriosity]

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@12njoy wrote:

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@taxi818 wrote:

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@12njoy wrote:

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@Anonymous wrote:

So I just applied today( Sunday) for the BBVA Am Ex card and got the 7-10 message. Is this a flat out denail for this card or has anyone got this message yet been approved? My scores are 699 tu, 692 eq, 685 ex with 5% util, no derogs, 11-12 inq on each cb with about 6 new accounts in last 90 days. Is there a rec number ?  

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Could go either way.  I got the message and was denied most likely because I have IDS and ARS on ice.

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What? are you saying or have info that they check they little bureaus?

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We had a little discussion when a few of us were denied by BBVA.  They couldn't verify my identity.  They pulled EX on me but I have those two little one's on ice so my conclusion is that they get data from them too.  Like US Bank does.

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I wouldn't think having them froozen would stop an approval.. As US Bank does use them and I have them froozen and got approved just fine for US Bank.. common knowledge to keep them perma frozen at least in my opinion as they offer nothing good and are just bottom feeders and not real CRA's, just bottom feeders.  Who knows with Compass though..  Even Cap1 uses them along with Chase and no issues with those lenders either..