No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
Well, this kinda sucks if this rep is right. I encourage others to call to investigate.
Yeah, that's going to suck. 👎👎
I requested a CLI last week and I got some bs answer of "not enough time to establish current credit score". What?
Well this makes me want to get the PayPal MC even more as my vantage scores are like 50 points higher than my FICOs. Everyone on here just says their customer service is not good so I hope I'd never have to use it
@Anonymous wrote:Well, this kinda sucks if this rep is right. I encourage others to call to investigate.
What is the free F*** that changed over to 4.0 ??
@jaxstraw wrote:
@Anonymous wrote:Well, this kinda sucks if this rep is right. I encourage others to call to investigate.
What is the free F*** that changed over to 4.0 ??
They used to offer TU FICO 8 before the change.
@imaximous wrote:
Whether it sucks or not that’s another story, but if this is the case, at least they’re staying consistent with the scoring model used to approve requests.
And also, for those worried/glad that their Vantage 4 score differs greatly from a FICO one, presumably the bank knows the range of their customers scores, so it's possible that they treat a V4 score X in the same way they would, in the past, have treated a FICO of X+40 (totally made up). Or not.
And for Sync at least, this means a FICO score is a FAKO!
@longtimelurker wrote:
@imaximous wrote:
Whether it sucks or not that’s another story, but if this is the case, at least they’re staying consistent with the scoring model used to approve requests.And also, for those worried/glad that their Vantage 4 score differs greatly from a FICO one, presumably the bank knows the range of their customers scores, so it's possible that they treat a V4 score X in the same way they would, in the past, have treated a FICO of X+40 (totally made up). Or not.
And for Sync at least, this means a FICO score is a FAKO!
I’d also be curious to know if their approval criteria changed with this new scoring model. SYNCB probably just decided that certain aspects of one’s credit profile are more or less important and switched to a model that lines up better with that criteria.
I didn’t opt in to get the new score when they switched from FICO thinking that they were trying to be “cheap” and offer an “educational” score only. The same thing other lenders like Cap One or Chase do by giving you Creditwise or Credit Journey, but don’t rely on either to make credit decisions. After seeing this thread, I got curious and noticed that my Vantage 4 is 799, which is WAY higher than my Vantage 3 at 718. My FICO 8 is 758 and FICO 9 is 777. 😂 Talk about being all over the place.