*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.