Everything else being equal...
***One gets denied for Discover it for inquiries, and one gets approved with 14 inquiries?
***One gets denied for BCE for short history with 2 years AAoA, and one gets approved with < a year history?
***One gets denied for CSP due to low limits on other cards with one card $3500, and one gets approved with high limit of $2500?
***One gets denied for Freedom with a 730 CS, and one gets approved with a 640?
All these scenarios have been posted here on myFICO. So, is it sometimes the luck of the draw? Are good results sometimes out of our control? Thanks for your comments.
you really cant say everything bening equal because it will never be equal there will always be something that the other has but the other doesnt.
Well, I say everything else being equal according to what the posters say. I have no way of knowing what the posters are omitting or downright lying about. But, according to the posts, it seems some people are just "lucky."
it's all about how to play your card right.....
Starting Score: 560
@indiolatino61 wrote:you really cant say everything bening equal because it will never be equal there will always be something that the other has but the other doesnt.
Well, I say everything else being equal according to what the posters say. I have no way of knowing what the posters are omitting or downright lying about. But, according to the posts, it seems some people are just "lucky."
Right, so a choice of conclusions:
1) Some people are lucky
2) Not all the details were revealed in the postings, perhaps because the posters didn't know all that was relevant. So in your case of someone denied for multiple inqs and someone with many more being accepted, it could be # of inqs vs length of credit history, the inqs were too closely spaced/recent, came from deep subprime lenders etc
Once it goes to recon, I think luck and/or skill matters more. If you get a friendly UW, things can happen, whereas one in a bad mood or by the book, might choose to stick with the original rejection.
@longtimelurker wrote:
@indiolatino61 wrote:you really cant say everything bening equal because it will never be equal there will always be something that the other has but the other doesnt.
Well, I say everything else being equal according to what the posters say. I have no way of knowing what the posters are omitting or downright lying about. But, according to the posts, it seems some people are just "lucky."
Right, so a choice of conclusions:
1) Some people are lucky
2) Not all the details were revealed in the postings, perhaps because the posters didn't know all that was relevant. So in your case of someone denied for multiple inqs and someone with many more being accepted, it could be # of inqs vs length of credit history, the inqs were too closely spaced/recent, came from deep subprime lenders etc
Once it goes to recon, I think luck and/or skill matters more. If you get a friendly UW, things can happen, whereas one in a bad mood or by the book, might choose to stick with the original rejection.
Thank you all for your comments. Why can't credit be simple...lol. 
You spend, you pay on time, you get more credit...but then again, what in this life is simple?
People who get denied for inquiries is cuz their credit files are so thin and that means they don't have enough experience with credit. It all depends on everyone's credit reports and the way the computer underwriter evaluates your application.... But im sure the more thicker your credit file is the less inquiries will impact your approval odds
