What does "Number of revolving accounts never delinquent last 6 months" mean???

[folks19]

I filled out a pre uproval for a credit card and was denied, (Thank God it was just a pre uproval) and one of the reasons for deniel was "Number of revolving accounts never delinquent last 6 months".

Does anybody know what that means? That seems like a good thing that no accounts were delinquent.

I have no missed payments or other baddies in my lifetime, so what does this mean?

[Brian_Earl_Spilner]

It's saying there's a delinquency bringing your score down. You should pull your reports and look over them.

[folks19]

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@Brian_Earl_Spilner wrote:

It's saying there's a delinquency bringing your score down. You should pull your reports and look over them.

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That's wierd. I have no missed payments at all! I pull my reports at least every 2 weeks (from annualcreditreport.com now that it's every week), and i did not find anything! besides for that, i know i did not ever miss a payment. What do you thing i should do?

[Anonymous]

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@folks19 wrote:

I filled out a pre uproval for a credit card and was denied, (Thank God it was just a pre uproval) and one of the reasons for deniel was "Number of revolving accounts never delinquent last 6 months".

Does anybody know what that means? That seems like a good thing that no accounts were delinquent.

I have no missed payments or other baddies in my lifetime, so what does this mean?

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Whose card?

Which score model? (if they specified)

Which bureau?

Can't say I've seen that reason specific reason code.  Got me curious, though.

[1GaDawg85]

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@folks19 wrote:

I filled out a pre uproval for a credit card and was denied, (Thank God it was just a pre uproval) and one of the reasons for deniel was "Number of revolving accounts never delinquent last 6 months".

Does anybody know what that means? That seems like a good thing that no accounts were delinquent.

I have no missed payments or other baddies in my lifetime, so what does this mean?

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need some more details on this...

[Brian_Earl_Spilner]

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@folks19 wrote:

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@Brian_Earl_Spilner wrote:

It's saying there's a delinquency bringing your score down. You should pull your reports and look over them.

---

That's wierd. I have no missed payments at all! I pull my reports at least every 2 weeks (from annualcreditreport.com now that it's every week), and i did not find anything! besides for that, i know i did not ever miss a payment. What do you thing i should do?

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Whatever report they're using is showing lates. EX, TU, and EQ aren't the only credit reporting agencies. They could have based it off of information from Innovis, ARS, or Sagestream

[folks19]

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@Anonymous wrote:

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@folks19 wrote:

I filled out a pre uproval for a credit card and was denied, (Thank God it was just a pre uproval) and one of the reasons for deniel was "Number of revolving accounts never delinquent last 6 months".

Does anybody know what that means? That seems like a good thing that no accounts were delinquent.

I have no missed payments or other baddies in my lifetime, so what does this mean?

---

Whose card?

Which score model? (if they specified)

Which bureau?

Can't say I've seen that reason specific reason code.  Got me curious, though.

---

They pulled my EX report, and it was for a credit1 card. It was just a SP for pre uproval, not an actual application.

I'm not sure what model score it was, but it wasn't the topical score because it was a score that ranges from 300 - 900, and the "topical" score is only until 850.

[Anonymous]

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@folks19 wrote:

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@Anonymous wrote:

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@folks19 wrote:

I filled out a pre uproval for a credit card and was denied, (Thank God it was just a pre uproval) and one of the reasons for deniel was "Number of revolving accounts never delinquent last 6 months".

Does anybody know what that means? That seems like a good thing that no accounts were delinquent.

I have no missed payments or other baddies in my lifetime, so what does this mean?

---

Whose card?

Which score model? (if they specified)

Which bureau?

Can't say I've seen that reason specific reason code.  Got me curious, though.

---

They pulled my EX report, and it was for a credit1 card. It was just a SP for pre uproval, not an actual application.

I'm not sure what model score it was, but it wasn't the topical score because it was a score that ranges from 300 - 900, and the "topical" score is only until 850.

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Ok.  CreditOne explains it.  

Even if your credit sucks, go somewhere else.  CreditOne is a COMPLETE bottom feeder and exists to trap you into a large amount of fees. 

Seriously - if you have decent credit, you *DO NOT* want a CreditOne card... Was this a "pre-approval" or recommendation from CreditKarma or something? 

[folks19]

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@Anonymous wrote:

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@folks19 wrote:

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@Anonymous wrote:

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@folks19 wrote:

I filled out a pre uproval for a credit card and was denied, (Thank God it was just a pre uproval) and one of the reasons for deniel was "Number of revolving accounts never delinquent last 6 months".

Does anybody know what that means? That seems like a good thing that no accounts were delinquent.

I have no missed payments or other baddies in my lifetime, so what does this mean?

---

Whose card?

Which score model? (if they specified)

Which bureau?

Can't say I've seen that reason specific reason code.  Got me curious, though.

---

They pulled my EX report, and it was for a credit1 card. It was just a SP for pre uproval, not an actual application.

I'm not sure what model score it was, but it wasn't the topical score because it was a score that ranges from 300 - 900, and the "topical" score is only until 850.

---

Ok.  CreditOne explains it.  

Even if your credit sucks, go somewhere else.  CreditOne is a COMPLETE bottom feeder and exists to trap you into a large amount of fees. 

Seriously - if you have decent credit, you *DO NOT* want a CreditOne card... Was this a "pre-approval" or recommendation from CreditKarma or something? 

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To be honest, I had no intention to actually apply for any credit1 card. I just like checking for pre aprovals sometimes just to know where i stand. In the deniel letter, they tell me the reasons to why i am denied and my score which is good stuff to know... Thats the ONLY reason i checked. And that was the one and only no annual fee credit1 card which i tried pre qualifying for. All the other cards (which have annual fees higher than the credit limit) pre approved me.

It was not a credit karma pre approval, although, i am pre qualified for the credit1 no AF card on credit karma, which i know is BS because they also pre pre qualified me for thechase sapphire preferred the day i started building credit... so i don't know about that.

[Anonymous]

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@folks19 wrote:

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@Anonymous wrote:

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@folks19 wrote:

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@Anonymous wrote:

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@folks19 wrote:

I filled out a pre uproval for a credit card and was denied, (Thank God it was just a pre uproval) and one of the reasons for deniel was "Number of revolving accounts never delinquent last 6 months".

Does anybody know what that means? That seems like a good thing that no accounts were delinquent.

I have no missed payments or other baddies in my lifetime, so what does this mean?

---

Whose card?

Which score model? (if they specified)

Which bureau?

Can't say I've seen that reason specific reason code.  Got me curious, though.

---

They pulled my EX report, and it was for a credit1 card. It was just a SP for pre uproval, not an actual application.

I'm not sure what model score it was, but it wasn't the topical score because it was a score that ranges from 300 - 900, and the "topical" score is only until 850.

---

Ok.  CreditOne explains it.  

Even if your credit sucks, go somewhere else.  CreditOne is a COMPLETE bottom feeder and exists to trap you into a large amount of fees. 

Seriously - if you have decent credit, you *DO NOT* want a CreditOne card... Was this a "pre-approval" or recommendation from CreditKarma or something? 

---

To be honest, I had no intention to actually apply for any credit1 card. I just like checking for pre aprovals sometimes just to know where i stand. In the deniel letter, they tell me the reasons to why i am denied and my score which is good stuff to know... Thats the ONLY reason i checked. And that was the one and only no annual fee credit1 card which i tried pre qualifying for. All the other cards (which have annual fees higher than the credit limit) pre approved me.

It was not a credit karma pre approval, although, i am pre qualified for the credit1 no AF card on credit karma, which i know is BS because they also pre pre qualified me for thechase sapphire preferred the day i started building credit... so i don't know about that.

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lol ok so it was probably the fact that you are good with credit - you are most decidedly not CreditOne's target client. They use their own scoring model and their own set of reason/AA codes.  Not surprising.  Sub-sub prime has to find their own way to evaluate and reject folks.