No prior relationship with Wells Fargo.
Fico in the 830-840 range, (was 850 last month, i am sure will drop a few points after i got instant approved US Bank PLOC with almost 20K, with AAoA, AoyA,HP, new account hits).
Applied on Sunday, got pending message
They pulled My EX on Monday, I called on Wed to ask status.
Noobody: I want to ask my application status
WF: We already sent you a form to verify your ID.
Noobody: Can you please email me the form since i will be out of the country soon?
WF: we don't do email
Noobody: can I email you back after I fill and sign the form?
WF: you can't, we don't do email, But you can FAX the form back
Noobody: It's 2019, who is still use FAX machine, I can even find one.
WF: WE DO !!!
I can say the could be relationship start off on the wrong foot
EX819 1HP|TU797 1HP| EQ(Fico8 BankCard)841
If I have $3M with them I won’t even ask the community for DPs! I’d just call my advisor and have him/her get me a Propel with at least $30K SL regardless of my Credit rating. That’s how I’d know if our relationship is two-way! If I get turned down, I’d move my $3M somewhere else where my business will be cherished!
But since you asked for DP then here’s mine;
App’d July last year and got denied with EX FICO9 in the 770s. Reason for denial was too many new accts (5/24). WF was NOT IIB.
Received a pre-qual’d mailer about 50 days and 4/24 later and got an instant $10K approval!
So in my case, they were sensitive to new accts regardless of Credit.
But since you asked for DP then here’s mine;
App’d July last year and got denied with EX FICO9 in the 770s. Reason for denial was too many new accts (5/24). WF was NOT IIB.
Received a pre-qual’d mailer about 50 days and 4/24 later and got an instant $10K approval!
So in my case, they were sensitive to new accts regardless of Credit.
