Do some loan officers just play dumb?

[crystal0920]

I thought it might be good to add a small personal loan to my credit mix. I contact a credit union and speak to the loan officer and find out what report they pull and ask for $500

 I then tell her my exact fico score, inform her I only have 6 months credit history, the number of inquiries on my report, and what accounts with cl and balance of each account.

 I proceed to ask if there is anything I told her that would probably get me  denied before wasting a inquiry and she says we can't make that determination with out pulling your cr, but she sees no problem.

 So like an idiot I apply and get denied for not enough credit history. Well no kidding, that was one of the things I already told her. Maybe she thought I really had 10 years history and for the fun of it I made it up.

 Why would she not just say upfront after being told that with the short credit history it would be denied instead of having me waste the inquiry?

[DrZoidberg]

Sometimes they just don't know if a short credit history would be a problem until they pull your report. Unless you have long history and an excellent score, an app will always be a maybe until they pull it. Don't fault her, in her opinion you might have qualified, just not according to the algorithm. Why not try to get a manual overturn? 

[john398]

Sometimes they just run your report thru an computerized underwriting system that spits out weather you are approved on not, the loan officier in that case really just pushes paper