Over 800 on all 3

[Stugotsv10]

in theory one should not be denied ANYTHING (as long as debt to income is good) correct?  is it true that they will rarely even ask for proof of anything else?

Asking since I'm new to the 800 club

[SouthJamaica]

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@Stugotsv10 wrote:

in theory one should not be denied ANYTHING (as long as debt to income is good) correct?  is it true that they will rarely even ask for proof of anything else?

Asking since I'm new to the 800 club

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That's not my theory.

They look at things other than your scores. I was turned down for a credit card by a credit union when my score that they pulled was 827.

Also, just because you have 800's on your FICO 8's doesn't mean you have 800's on your other FICO scores. I usually have about a 130-point swing among the various score models (as we speak my highest is 133 points higher than my lowest).

[JBJBJB1]

Hi: 

Probably low risk, but income level is also a factor, rather than just ratio, which is not a factor in FICO or Vantage scores.   Banks tend to use thier own models which differ from FICO or Vantage.  For instance, Chase used a "Credit Acquisition Risk V2" to determine my worthiness for a Chase Amazon card. 

https://www.forbes.com/sites/nickclements/2015/03/24/6-reasons-you-can-be-rejected-with-an-excellent...

Best,

J

[Stugotsv10]

can we check these other Fico scores?

[HeavenOhio]

You can get 28 FICO scores from myFICO.

[Stugotsv10]

**bleep** 28????? and does checking lower them?

[surferchris]

No, you can check your own scores without any affect on them.

Take care.

[Anonymous]

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@Stugotsv10**bleep** 28????? and does checking lower them?

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Off-topic here and not directed at the OP, but where did this idea that checking your own credit score can lower your scores come from?  Honestly all I can think of is that this idea is manufactured by places like Credit Karma that have commercials that say, "checking your score [with us] won't ever lower your credit score."  I feel like when people hear this, they must figure that checking their score at times must lower their credit scores.  My opinion is that if we never heard this language from places like CK, people wouldn't ever think in the first place that checking their own scores could possibly lower them.

[iv]

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@Anonymous wrote:

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@Stugotsv10**bleep** 28????? and does checking lower them?

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Off-topic here and not directed at the OP, but where did this idea that checking your own credit score can lower your scores come from?  Honestly all I can think of is that this idea is manufactured by places like Credit Karma that have commercials that say, "checking your score [with us] won't ever lower your credit score."  I feel like when people hear this, they must figure that checking their score at times must lower their credit scores.  My opinion is that if we never heard this language from places like CK, people wouldn't ever think in the first place that checking their own scores could possibly lower them.

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No, that's actually been a real concern - people talk to a car dealer, or to a bad mortgage broker/lender, who convinces them to "just let me run your credit" in order to see scores.  

But they (the bad LOs, not everyone!), only know how to run credit checks through their normal "live" system, that generates HPs for each "just a credit check".  Yes, HPs are a small impact... but still an impact.

And not all that long ago, before Open Access, and the current many-score-models myFICO, and all the other free real-FICO options, that kind of pull was the ONLY way to get real scores.  Especially for the mortgage scores.  It may not always feel like it, but today is a relative "golden age" of easy consumer access to scores, compared to just a few years ago.

[Anonymous]

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@iv

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No, that's actually been a real concern - people talk to a car dealer, or to a bad mortgage broker/lender, who convinces them to "just let me run your credit" in order to see scores.  

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That's different though, as in your example above someone else is running the check.  We're talking about when someone checks on their own scores.

As for a few years ago, you'd know much better than I, as I've only been looking at my own credit scores for 2-3 years now.  Before that for the first 15 years or so of my credit life I never once checked my own scores and would only find out what they were when I took out a loan.