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Wells Fargo and more

Auto Loans for ANY Credit Situation. Immediate Response.
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Valued Contributor

Re: Wells Fargo and more

Thx! Congrats again. A lot of ppl don't like WF but I have always been happy with them
FICO 09 TU= 787 (Aug) EQ= 774 (Aug) EX= 801 (Aug) Favorites: Citi DC, AMEX Gold and U.S. Bank Cash+
Message 11 of 30
Valued Contributor

Re: Wells Fargo and more

And I don't think a group of bad employees make a bad company-they did what they could to make it right Smiley Happy
FICO 09 TU= 787 (Aug) EQ= 774 (Aug) EX= 801 (Aug) Favorites: Citi DC, AMEX Gold and U.S. Bank Cash+
Message 12 of 30
Regular Contributor

Re: Wells Fargo and more

Well, I think what the company did was pretty awful, and many of the "bad employees" were doing what the "good company" pressured them to do.

 

Nevertheless, I'm not about to dump them because (a) the customer service *I* have received has always been OUTSTANDING and (b) they are my lowest-rate credit card (currently at 6.99 percent) and have terrific balance transfer offers.   So I hold my nose and hope they stay in business.  And that they are properly punished for any misdeeds and closely watched in the future.  Actually, I find it amusing now when I call customer service--the first two minutes has the rep heaping gratitude at my feet for being a customer.  I don't think they will dare pulling any stunts in the foreseeable future.

Chase Sapphire Preferred $32k; CapitalOne Venture $30k; Chase Slate $30k; Barclaycard Arrival Plus $25k; Wells Fargo Visa $25k; Amex EveryDay $25k; Barclaycard Ring $15.5k; Lowes $10k; Barclaycard Apple Financing $9.5k; Best Buy $7k; Chase Amazon Rewards Visa $6.5k; misc. store cards

EQ 822; TU 820; EX 819
Message 13 of 30
Valued Contributor

Re: Wells Fargo and more

We all have our opinions I suppose.
FICO 09 TU= 787 (Aug) EQ= 774 (Aug) EX= 801 (Aug) Favorites: Citi DC, AMEX Gold and U.S. Bank Cash+
Message 14 of 30
Valued Contributor

Re: Wells Fargo and more

OK...today I recieved a letter from Wells Fargo giving me the information on my credit pull that was used to consider my application. Frankly, it has me baffled. It says my score from equifax which ranges from 300-850, was 830. I monitor my fico 08 scores with credit check total and know my fico 08 score from equifax has been a very stable 818. Does anyone know what score model Wells Fargo uses? It could not be a bankcard score because it ranges up to 900. This is an unexpected surprise.

TU fico08=823 10/28/19
EX fico08=813 10/16/19
EQ fico08=823 10/04/19
EX fico09=810 10/02/19
EQ fico bankcard08=844 09/24/19
Message 15 of 30
Senior Contributor

Re: Wells Fargo and more

Can't comment on WF rewards cards because I'm income rich but FICO poor, but their banking has been fantastic since I started to transition from Chase to WF as of the first of this year.  Way better customer service in-branch and over the phone.  I'm going to apply for their $10k secured card because it's the biggest one I've been able to find and when I travel I'd prefer to take a high value CC than my DC.  I wish Discover IT secured went to $25k because I could cycle through that in a month or two but instead have to make payments twice a week just to use the meager credit line I have there.  

 

Looking forward to WF after being with Chase for 25 years or so.   So far, 3+ months in, WF customer service has been exemplary. 

Message 16 of 30
Senior Contributor

Re: Wells Fargo and more

I always had an interest in the WF card.  There is a branch litterally a couple of blocks from me so I might just stroll into the lobby and llook around.

Congrats !




3/2016 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671.
>12/2019 CCT EX 815 TU 824 EQ 825
Jack Webb: "That figures. Now let me see if I got the facts straight here. Cleaning woman Clara Clifford discovered your clean copper clappers kept in a closet were copped by Claude Cooper the kleptomaniac from Cleveland. Now, is that about it?"
Message 17 of 30
Member

Re: Wells Fargo and more

What does it pull?
TU, EX, or EQ?

Message 18 of 30
Valued Contributor

Re: Wells Fargo and more


@sarge12 wrote:

OK...today I recieved a letter from Wells Fargo giving me the information on my credit pull that was used to consider my application. Frankly, it has me baffled. It says my score from equifax which ranges from 300-850, was 830. I monitor my fico 08 scores with credit check total and know my fico 08 score from equifax has been a very stable 818. Does anyone know what score model Wells Fargo uses? It could not be a bankcard score because it ranges up to 900. This is an unexpected surprise.


I'm not sure what model they use but I wanted to jump in here and say your scores are awesome and congrats!!!

Ray

** Every Card has a Job, and Every Card does its Job **
Message 19 of 30
Established Contributor

Re: Wells Fargo and more


@sarge12 wrote:

OK...today I recieved a letter from Wells Fargo giving me the information on my credit pull that was used to consider my application. Frankly, it has me baffled. It says my score from equifax which ranges from 300-850, was 830. I monitor my fico 08 scores with credit check total and know my fico 08 score from equifax has been a very stable 818. Does anyone know what score model Wells Fargo uses? It could not be a bankcard score because it ranges up to 900. This is an unexpected surprise.


I have it written down at home i'm at work and can't get my hands on it but off the top of my head i blieve it's EX Bankcard V2. old version of fico.

Message 20 of 30
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