@pizzadude wrote:
@CreditEd wrote:My FICO score from Experian directly was 699, but 673 during Amex's review of my denied Starwoord app. I was told to talk with the DBA department directly as a result of other issues as well.
They also reported that I had too short a stint with Amex (been a member since 2010)
Had negative Paid as Agreeds with Amex
Had Too high debt rating???
I couldn't get a word in edgewise with the Credit Analysis b/c she was reading directly from the denial letter. She transferred me to Customer service to address the other negatives but Customer Service has a stellar record of 20 ontime payments??? Customer Service person pointed me to CBA as they are the only department that can see both current account activity and other Amex history.
Experian does not allow FICO scores to be sold directly to consumers ~ they sell a FAKO score, which can't be correlated to a FICO score.
That should be illegal for a CRA not to allow the consumer to see their credit worth since we are afterall evaluated against thsir FICO. That has been my beef with EX and I'm sure many of us on here feel the same way.
