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Posted on 8/4/18 at 10:33 am to RougeDawg
You don’t have a credit score of 840. That’s the reason why you were rejected.
Posted on 8/4/18 at 10:34 am to RougeDawg
My credit score is 820 and got rejected for a costco credit card.
Applied again the next day and it went through
I think their algorithms just shite the bed occasionally.
Applied again the next day and it went through
I think their algorithms just shite the bed occasionally.
Posted on 8/4/18 at 10:35 am to gazelles
quote:
i watched my eldest son drown in a bog
hope this helps
Wtf?
Posted on 8/4/18 at 10:38 am to fightin tigers
quote:
1001 here
How did you get bonus points that's not fair
Posted on 8/4/18 at 10:43 am to RougeDawg
quote:
credit score of 840,
subtle
quote:
too many inquiries on your credit file,
a stupid criteria
you could be a true OT baller, I have a friend whose company grosses $50mil a year and has never taken a salary, she used to have trouble getting financing because she could show no provable steady income, now she just pays cash for whatever she wants
Posted on 8/4/18 at 10:44 am to RougeDawg
My AMEX says "member since 1984" on it. I was 6 years old that year. I don't know how they don't have a simple algorithm to catch that. I don't correct it because it shows that I have 34 years of good credit history
This post was edited on 8/4/18 at 10:49 am
Posted on 8/4/18 at 10:45 am to RougeDawg
seems like a dti problem.
You can have millions of cash, in multiple bank accounts, an 840 credit score --- but if your CURRENT income is not pretty versus your debts.... you will get rejected.
You can have millions of cash, in multiple bank accounts, an 840 credit score --- but if your CURRENT income is not pretty versus your debts.... you will get rejected.
Posted on 8/4/18 at 10:46 am to Sun God
quote:
How did you get bonus points that's not fair
AP courses baw
Posted on 8/4/18 at 10:47 am to Mingo Was His NameO
quote:
And by the way, I doubt you have an 840 credit score.
Why would you doubt that?
If you take care of your business and pay your bills you will have a great credit score. Last time I checked mine about 6 months ago it was 850. I am sure it has dropped since I paid my home and my truck off. I am told that you can't keep a high score unless you are carrying a certain amount of debt. Who cares I rather be debt free than have a high credit score.
Posted on 8/4/18 at 10:49 am to 777Tiger
quote:
you could be a true OT baller, I have a friend whose company grosses $50mil a year and has never taken a salary, she used to have trouble getting financing because she could show no provable steady income, now she just pays cash for whatever she wants
My paw paw died a few years ago with no credit score. He was worth several million dollars at his death but had never borrowed a dime in his life. He had to pay a deposit to turn on his satellite TV
Posted on 8/4/18 at 10:50 am to Prominentwon
quote:
Blatant subtle
Posted on 8/4/18 at 10:51 am to RougeDawg
quote:
Bank of America
LOL, literally the shittiest and biggest dbags in the banking world. Congrats
Posted on 8/4/18 at 10:52 am to SeeeeK
quote:
literally the shittiest and biggest dbags in the banking world. Congrats
and that's a pretty competitive list to top
Posted on 8/4/18 at 10:53 am to NoSaint
I got approved with my 698
This post was edited on 8/4/18 at 10:53 am
Posted on 8/4/18 at 10:55 am to RougeDawg
So your score is good but you're broke and applying for a lot of credit to burn in the bankruptcy
Posted on 8/4/18 at 10:59 am to Balloon Huffer
quote:
You can have millions of cash, in multiple bank accounts, an 840 credit score --- but if your CURRENT income is not pretty versus your debts.... you will get rejected.
Couple that with multiple credit inquiries appearing to be credit shopping.
Credit shopping + iffy debt/income ratio + limited banking with issuer = bankruptcy looming red flag
Posted on 8/4/18 at 11:03 am to Balloon Huffer
quote:
You can have millions of cash, in multiple bank accounts, an 840 credit score --- but if your CURRENT income is not pretty versus your debts.... you will get rejected.
Your credit score doesn't take income/assets into account. Your bank will when deciding whether to approve your loan or not. You can make 18k per year and have $50 in your checking account and have an 820 score.
Posted on 8/4/18 at 11:04 am to fallguy_1978
quote:
You can make 18k per year and have $50 in your checking account and have an 820 score.
how did you get my financials baw?
Posted on 8/4/18 at 11:04 am to RougeDawg
If you’ve applied for and received too mny cards in a certain period of time you’re an automatic denial despite your score.
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