Author Topic: What's Your FICO Score?  (Read 96365 times)

Offline ChaimMoskowitz

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Re: What's Your FICO Score?
« Reply #1080 on: August 17, 2015, 11:03:22 PM »
Number is only reflective of what's in the file.

It may be necessary, but it certainly is not sufficient.
You can get denied just on your number without them ever getting to look at your credit file. That is why it matters first.
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Offline AJK

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Re: What's Your FICO Score?
« Reply #1081 on: August 17, 2015, 11:05:12 PM »
Correct, but you won't get approved just on your number.

And with people spouting off "my FICO is 815" and "I have a 804!" it's more my situation than yours.
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Offline ChaimMoskowitz

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Re: What's Your FICO Score?
« Reply #1082 on: August 17, 2015, 11:07:55 PM »
Correct, but you won't get approved just on your number.
Higher FICO gets more instant approvals.
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Offline AJK

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Re: What's Your FICO Score?
« Reply #1083 on: August 17, 2015, 11:13:47 PM »
Higher FICO gets more instant approvals.

I know plenty in this game with 820+ ain't getting instant approvals due to # of inquiries and # of new accounts, etc.

But I'm not sure we're arguing. I agree the number is what is first looked at, but it is far less important as to what's on the report.

Ask anyone who has tried applying with an 790 FICO with one secured credit card to his name.
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Offline lyla

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Re: What's Your FICO Score?
« Reply #1084 on: August 17, 2015, 11:57:42 PM »
+1. I got declined from chase (BA and SP) with a 832 score because I opened too many cards in the last 2 years. Could not talk my way out of it with recon even though I offered to move cl around.

Offline ChaimMoskowitz

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Re: What's Your FICO Score?
« Reply #1085 on: August 18, 2015, 12:15:42 AM »
I know plenty in this game with 820+ ain't getting instant approvals due to # of inquiries and # of new accounts, etc.
I got declined from chase (BA and SP) with a 832 score because I opened too many cards in the last 2 years. Could not talk my way out of it with recon even though I offered to move cl around.
...and if they had a 620 FICO they would have received the same results so what is your point.
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Offline caliheat

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Re: What's Your FICO Score?
« Reply #1086 on: August 18, 2015, 02:07:14 AM »
You can get denied just on your number without them ever getting to look at your credit file. That is why it matters first.
Higher FICO gets more instant approvals.
As you attest to in the latter post, denial as it relates to instant, but recon can work.
I have dealt with 2 unique credit files and can say with certainty that number is definitely not a factor once you "turn the first page".
Additionally, I have never seen final decisions made based solely on the number.

Offline ChaimMoskowitz

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Re: What's Your FICO Score?
« Reply #1087 on: August 18, 2015, 07:19:38 AM »
I have dealt with 2 unique credit files and can say with certainty that number is definitely not a factor once you "turn the first page".
OMG two credit files? Now there is concrete proof. I will defer to the experts here that have 30 years of files to look at and spent 7+ years at CB. You all have a nice day.  :)
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Offline Sam Finkelstein

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Re: What's Your FICO Score?
« Reply #1088 on: August 18, 2015, 10:44:52 AM »
Where do you see that?

This email:

Dear Sam,

We want to remind you that you only have 14 days left to access My Credit Score and Report. If you haven't already, please download your credit report and PLUS(1) score.

Please be sure to:
Review and make sure all the items on your credit report are accurate
See what information makes up your PLUS score
Take advantage of the site to gain a better understanding of your credit
To access your Experian® PLUS score and report, click here.


Sincerely,

My Credit Score & Report Customer Care
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Offline JoeyShmoe

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Re: What's Your FICO Score?
« Reply #1089 on: August 18, 2015, 11:08:37 AM »
This email:

Dear Sam,

We want to remind you that you only have 14 days left to access My Credit Score and Report. If you haven't already, please download your credit report and PLUS(1) score.

Please be sure to:
Review and make sure all the items on your credit report are accurate
See what information makes up your PLUS score
Take advantage of the site to gain a better understanding of your credit
To access your Experian® PLUS score and report, click here.


Sincerely,

My Credit Score & Report Customer Care
I don't think that has anything to do with the Amex free FICO score, I just got it and nowhere does it mention anything about Experian Plus (I just reread the terms, I can C/P it if you want me to)
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Offline shoobi

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Re: What's Your FICO Score?
« Reply #1090 on: August 18, 2015, 11:49:33 AM »
I have Chase Slate, just noticed today when I login it gives me my Experian Fico score. But more than that it gives some details such as number of recent inquiries, payment history, and percent of credit utilized. more useful than the Amex or Barclay ones (don't see my Citi one)

Is this new?
« Last Edit: August 18, 2015, 12:11:37 PM by shoobi »

Offline username

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Re: What's Your FICO Score?
« Reply #1091 on: August 18, 2015, 12:07:47 PM »
OMG two credit files? Now there is concrete proof. I will defer to the experts here that have 30 years of files to look at and spent 7+ years at CB. You all have a nice day.  :)
CV and HM? If you see tell them we miss them. This place is not the same without them.
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Offline AJK

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Re: What's Your FICO Score?
« Reply #1092 on: August 18, 2015, 12:21:55 PM »
OMG two credit files? Now there is concrete proof. I will defer to the experts here that have 30 years of files to look at and spent 7+ years at CB. You all have a nice day.  :)

Quote
APPEAL TO ACCOMPLISHMENT
(also known as: appeal to success)

Description: When the argument being made is sheltered from criticism based on the level of accomplishment of the one making the argument.  A form of this fallacy also occurs when arguments are evaluated on the accomplishments, or success, of the person making the argument, rather than on the merits of the argument itself.

Logical Form:

Person 1 claims that Y is true.
Person 1 is very accomplished.
Therefore, Y is true.
 
Person 1 presents evidence against claim Y.
Person 1 is told to shut up until person 1 becomes as accomplished as person 2.

That about sum it up?  ;D
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Offline ChaimMoskowitz

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Re: What's Your FICO Score?
« Reply #1093 on: August 18, 2015, 12:27:01 PM »
That about sum it up?  ;D
One argument based on years of data and the other argument based on opinion would be a more accurate summarization.  :P
I just found a new supply of forks!

Offline ChaimMoskowitz

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Re: What's Your FICO Score?
« Reply #1094 on: August 18, 2015, 12:27:33 PM »
CV and HM? If you see tell them we miss them. This place is not the same without them.
I will tell them you said hi.
I just found a new supply of forks!