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Just got rejected from credit card with 808 credit score
Poast new message in this thread
Date: September 20th, 2014 11:46 AM Author: curious theatre mediation Why? They said something like "not enough history" but I have student loans, mortgage, car loan, and other ccs that have been open for 3+ years. (http://www.autoadmit.com/thread.php?thread_id=2679437&forum_id=2#26362248) |
Date: September 20th, 2014 11:47 AM Author: Maroon mind-boggling plaza what makes you think you have an 808. they dont tell you your score when you're rejected. (http://www.autoadmit.com/thread.php?thread_id=2679437&forum_id=2#26362253) |
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Date: September 20th, 2014 11:49 AM Author: floppy kitchen incel yes they do, unless the law very recently changed. they even have to tell you your score if you don't get the best apr they offer.
i guess if they didnt base their decision on score they might not have to? |
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Date: September 20th, 2014 11:50 AM Author: self-absorbed gold roast beef That's not what the law says.
Edit: They only have to disclose the score if they calculated the score. Most bureaus don't calculate the score themselves - third parties or the creditor does - so they only have to disclose the factors negatively affecting your credit.
So they should have to provide some basis for the denial of credit. |
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Date: September 20th, 2014 11:53 AM Author: claret greedy set electric furnace LOL. Yeah, many have their own scoring models and don't even use FICO.
What is the OP on about? |
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Date: September 20th, 2014 12:04 PM Author: curious theatre mediation OP here, they disclosed my FICO score in their ding letter. (http://www.autoadmit.com/thread.php?thread_id=2679437&forum_id=2#26362308) |
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Date: September 20th, 2014 11:52 AM Author: Maroon mind-boggling plaza i always thought that if you're denied credit, they're required to give you a free copy of your credit report, but not the score itself. am i totally wrong here? (http://www.autoadmit.com/thread.php?thread_id=2679437&forum_id=2#26362267) |
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Date: September 20th, 2014 11:55 AM Author: floppy kitchen incel I think it's if they use the score as a factor in denying credit. I could be wrong, but I usually get a FICO score if i don't get the best APR rate available. (http://www.autoadmit.com/thread.php?thread_id=2679437&forum_id=2#26362281) |
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Date: September 20th, 2014 11:58 AM Author: self-absorbed gold roast beef If you are denied by a creditor then the bureaus must give you a copy of your credit report. The creditor only has to identify the bureau and the factors that went into their decision. If the bureau calculated the score then they must disclose the score. (http://www.autoadmit.com/thread.php?thread_id=2679437&forum_id=2#26362290) |
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Date: September 20th, 2014 11:49 AM Author: self-absorbed gold roast beef Which card? It's probably a prole card and your fastidious credit performance will fuck up the expected profits. (http://www.autoadmit.com/thread.php?thread_id=2679437&forum_id=2#26362260) |
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Date: September 20th, 2014 11:50 AM Author: floppy kitchen incel You ever check out the Discover yield protection on creditcardnumbers.com? (http://www.autoadmit.com/thread.php?thread_id=2679437&forum_id=2#26362262) |
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Date: September 20th, 2014 12:05 PM Author: curious theatre mediation I was the Barclays Mastercard travel rewards (http://www.autoadmit.com/thread.php?thread_id=2679437&forum_id=2#26362309) |