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[CS800]

Can you share your credit profile?

[Anonymous]

OK I was declined because to many credit cards with a lot of available credit jajaja and low score.... This are my new score for today from www.privacyguard.com

Experian - 757           12 inq.
Equifax - 715              18 inq.
TransUnion - 736      8   inq.

And 0 balances on all my cards

[MarineVietVet]

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@Anonymous wrote:

OK I was declined because to many credit cards with a lot of available credit jajaja and low score.... This are my new score for today from www.privacyguard.com

Experian - 757           12 inq.
Equifax - 715              18 inq.
TransUnion - 736      8   inq.

And 0 balances on all my cards

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I hate to be the bearer of bad news but none of those scores are FICO scores. There is no 3 in 1 monitoring service that sells FICO scores. Your true FICO's could be higher or lower than these scores.

From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

[pizzadude]

Did AMEX give your score when they initally denied your application ?  They should have provided this.....

And as Marine indicated, your privacyguard scores are not FICO scores.

Funny that having other available credit is considered a no-no by AMEX credit scoring......Just goes to show

how fickle and unpredictable they can be.

But congrats on being approved !!!!!  That is fantastic !

[Anonymous]

Yes amex send me the letter it said that my fico experian score is 773.

so can someone tell me were can I purchase the real fico?

[MarineVietVet]

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@Anonymous wrote:

Yes amex send me the letter it said that my fico experian score is 773.

so can someone tell me were can I purchase the real fico?

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The score from Amex should be accurate since it came from a lender. No one has been able to buy their own Experian FICO score since February of 2009. There is a CU (PSECU) in Pennsylvania that supplies that information to it's members only. And of course creditors like Amex can access it.

From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

[pizzadude]

-----> Yes amex send me the letter it said that my fico experian score is 773.

Wow.   So AMEX initially declined you for having too much available credit, and for having a low score ???  

[hedgeclipper2]

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@pizzadude wrote:

-----> Yes amex send me the letter it said that my fico experian score is 773.

Wow.   So AMEX initially declined you for having too much available credit, and for having a low score ???  

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I literally got the same message on a CLI denial letter.

The only listed reason was my FICO score was too low.

Then below that it listed my Experian FICO score at 737.  I mean, I know that is not an amazing score or anything, but its not that low!!  Come on Amex!