*Data Points on my App Process -They Pull EX every time for me in CO. -8 INQ’s at the time of my pull (4 recent from car shopping, most of the other INQ were older than 6 months with the exception of the FNB Rewards Card I got 4 months ago) -2 New Accounts at 4 months old FNB Rewards Card & Furniture Row -AAoA was 2yrs 2m -Income 120k -Score was 666 on first pull (Denied for too many INQ’s)
* I did RECON on denial -caused another HP on EX -score was up to 678 at this point -Appproved after explaining my INQ’s were due to the car shopping & that I already have a card with them I’m good standing.
My Judgement You would be denied. Your AAoA is LOW compared to your oldest account which means you probably have 2-4 new accounts within the last 4-6 months or less also you have 8 INQ’s on EX which corroborates the fact you have many new accounts which lowered your AAoA greatly. From my experience FNB is 5/24 or LESS.
EX: 694 (F8)(7inq) | TU: 691 (VS3)(5inq) | EQ: 699 (VS3)(5inq) BK Ch 7 Discharged 2015 | x1 Paid collection | x1 30 day late on file 9% Utilization | AAoA: 2yrs | Updated: *UPDATING*