Hi, I was approved for the Dell Preferred Account card in Nov 2022 and here are my data points. At the time of the application, I had 1 credit union card with a $1000 limit that was opened in 2016 that has 1 30 day late in 2019, and a car loan opened since Mar 2021, always on time. There are 2 charge offs in 2020 that were paid in settlement less than full in 2021 and 1 collection that I paid in full in Oct 2022. I had 1 inquiry at the time, and that was for the auto loan. Also, if it matters, I'm an authorized user on a credit union card from 2002 with an $18000 limit, which gets used maybe once or twice a year for a small charge, but I don't have a physical card.
The limit I was approved for is $4000. They pulled Experian and said my score was 752 in a scoring range of 200-950. I have searched to find out which scoring model this is, and I'm not certain, but the closest I could find is that it ~might be an 'enhanced auto score' (?). Does anyone else know? I do now have the Fico subscription, but I don't see any score that has that range.
The key factors they mention that adversely affected my credit score are below, but I notice they didn't even consider my charge offs or collection in that score. Here they are:
-Insufficient credit data available
-Number of revolving trades with balance activity in last 6 months too low
-Number of bankcard trades too low
-History of all installment trades too low
Hope this data helps others that are interested in applying 
Thank you
Thank you as well
great approval, congrats!!
make sure to go through rakuten, they often offer 10-12% cash back for Dell
Congrats on the approval
