@DanielF wrote:Applied for Dillards around X-Mas and got a denial letter. Wasn't too suprised being it was at the end of an app spree and the INQ's were getting high. What was interesting was that when I got the letter, they said they pulled TU and EXP and my score was 010 on a scale of 0-900 lol. When I looked at my reports, only TU was pulled. Not sure how they compute this score, but my TU score is about 645. Just curious if anyone else had issues similar.
What reasons did they give you for denial?? The score they gave is not a FICO but their own scoring model. Sounds like they might not have been able to access that report.
Wow, that's harsh ~ even FICO gives the bottom of the barrel a 350 score. 
Seriously though, something is messed up on their side no doubt. It might be worth are a call to see If you can at least get an idea on why they think your score is in the basement.....
Seriously though, something is messed up on their side no doubt. It might be worth are a call to see If you can at least get an idea on why they think your score is in the basement.....
@pizzadude wrote:
Wow, that's harsh ~ even FICO gives the bottom of the barrel a 350 score.
Seriously though, something is messed up on their side no doubt. It might be worth are a call to see If you can at least get an idea on why they think your score is in the basement.....
I really trhink they couldn't access that file. He should call and speak to a CSR and maybe recon it.
@DanielF wrote:The reasons were across the board..... lack of retail credit (have several including Macys for 17 years), balances too high as opposed to their cl's. Utilization is about 33%, too many recently opened accounts in last six months. That one is true lol.. I thought about them not having access to the report but I've never had a problem with that before and I didn't freeze it. I check it daily with truecredit and occasionally update here so i can have the real FICO score.
Do a recon. How recent are the INQ's??
Keep us posted with your recon!