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Can you get rejected for FICO score too high?

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Subexistence
Established Contributor

Re: Can you get rejected for FICO score too high?


@driftless wrote:

@Subexistence wrote:

I heard that some people get turned down from Blispay and CO if their score is too high because CO like revolvers and not churners. Can anyone offer insight?


I don't mean to be rude, but you scores are just above average.  


They aren't updated. My current scores are 770 EQ, 754 Tu, 733 Ex. I haven't touched my signature for a while.

 

Although I wish you were right.








Starting Score: Ex08-732,Eq08-713,Tu08-717
Current Score:Ex08-795,Eq08-807,Tu08-787,EX98-761,Eq04-742
Goal Score: Ex98-760,Eq04-760


Take the myFICO Fitness Challenge

History of my credit
Message 11 of 15
Anonymous
Not applicable

Re: Can you get rejected for FICO score too high?

This is why I pay late once every 6 months to keep it at an acceptable level.
Message 12 of 15
driftless
Valued Contributor

Re: Can you get rejected for FICO score too high?

Much nicer scores!  Congratulations.  I see your point now.

CSR | Amex Platinum | EDP | QS (2)
Amex Blue Business Plus
Message 13 of 15
wasCB14
Super Contributor

Re: Can you get rejected for FICO score too high?

If someone with great credit applies for a garbage card, it's possible that the issuer could deny the application because:

 

1. The issuer might suspect it to be a fraudulent app.

2. The issuer might believe the application is legitimate, but expect that the applicant will soon wise up, not spend on the card, and call constantly to get the AF money back.

Personal spend: Amex Gold, Amex Schwab Plat., BofA PR+CCR(x2), Costco
Business use: Amex Bus. Plat., BBP, Lowes Amex AU, CFU AU
Perks: Delta Plat., United Explorer, IHG49, Hyatt, "Old SPG"
Mostly SD: Freedom Flex, Freedom, Arrival
Upgrade/Downgrade games: ED, BCE
SUB chasing: AA Platinum Select
Message 14 of 15
10022016
Regular Contributor

Re: Can you get rejected for FICO score too high?

I have all the credit cards that i will need. I'm only missing Chase Freedom but I already have enough redundancy.

American Express Blue Cash Every | Discover it | Citi Double Cash | Citi Custom Cash (10/2021) | Bank of America Cash Rewards | Chase Slate | Capital One Quicksilver | Amazon Store Card | PayPal Credit | J. Crew | Old Navy | Experian: 785 Equifax: 798 Transunion: 777 |
Message 15 of 15
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