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re: Rejected with a Credit Score of 840?
Posted on 8/4/18 at 12:08 pm to fallguy_1978
Posted on 8/4/18 at 12:08 pm to fallguy_1978
quote:
I don't correct it because it shows that I have 34 years of good credit history
Thats golden. If possible every RESPONSIBLE parent should open a cc for their kids. Use it for things related to that kid as a part of organizing finances.
Only thing that sux is that kid cant ever close that cc. I have "help college kids" cc that is my oldest. Has a low limit that I have to remember to pay every month. But worth it.
0
Posted on 8/4/18 at 12:13 pm to slackster
700 is the average FICO score.
Posted on 8/4/18 at 12:16 pm to RougeDawg
Bank of America just paid my wife $150 to give her a credit card. She has has a 839 credit score and no job. 
Posted on 8/4/18 at 12:17 pm to RougeDawg
A friend of mine did. He has perfect credit but no assets and only made$50k at the time. (825 not 840 though)
Posted on 8/4/18 at 12:20 pm to RougeDawg
quote:
Credit Score of 840
My Butler and my Chauffeur have higher credit scores.
I have a D&B score.
Posted on 8/4/18 at 12:21 pm to soccerfüt
quote:
My Butler and my Chauffeur have higher credit scores.
phffft! seen higher credit scores walking through the quad, every day!
Posted on 8/4/18 at 12:23 pm to Rize
quote:
Subtle brag I got an 840 credit score thread.
Why do people think having a high credit score is a brag?
All it means is that the credit bureaus have decided that you are someone who is good at paying off debt, which implies you are also good at getting into debt.
Millionaires with no loans and minimal credit usage have average scores. Do they give a frick? They know a credit score is a dumb thing to brag about.
Posted on 8/4/18 at 12:34 pm to Vacherie Saint
quote:
Sounds like you have a limited credit history. You can have a high score, but if your lending history is relatively shallow, it can be tough to get approved.
This. They want a variety of credit lines and a great pay history with all of them
Buddy of mine thought he was doing great with a high credit score he had built up with a credit card he got in high school, goes to buy a house and they give him nowhere near what he expected and then his credit drops 100 points from the inquiries the home search put on his credit.
Posted on 8/4/18 at 12:36 pm to RougeDawg
quote:
ust got rejected for a credit card with Bank of America. The reasons listed in the letter were: credit score of 840, too many inquiries on your credit file, limited deposit and/or investment balances with us, length of time your account with us has been open.
First time I have been rejected for a card and my credit has never been higher. Anyone have a similar experience?
My credit score is 320 baw and i got 5 BOA credit cards you must be doing something wrong
Posted on 8/4/18 at 12:37 pm to Double Oh
quote:
My credit score is 320 baw
subtle, real subtle
Posted on 8/4/18 at 12:41 pm to RougeDawg
Don’t know my score
All I know is 4 presidents of banks that I know said mine was as the highest thybuad ever seen.
Ever.
Frick y’all.
All I know is 4 presidents of banks that I know said mine was as the highest thybuad ever seen.
Ever.
Frick y’all.
Posted on 8/4/18 at 12:44 pm to p&g
420.. I dn't smoke weed, that's my credit score.
Posted on 8/4/18 at 12:50 pm to fallguy_1978
quote:
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
Yeah mine says member since 2007 and I got it in 2015. I guess my parents authorized me as a user back then but I don’t think I ever used a card.
Posted on 8/4/18 at 12:56 pm to NoSaint
Well I am 68, no debt, no mortgage and my score is 832.
One way to get a cc easily is to join Costco.
The 2 worst big banks in America - Wells Fargo and Bank of America.
Suggest you try Chase.
All opinions are based solely on my experiences. I don't care if you like it or not. When you get into your 60's, you get tired of being careful with what you say. Now I just say wht is on my mind and IDGAF as to your opinion.
One way to get a cc easily is to join Costco.
The 2 worst big banks in America - Wells Fargo and Bank of America.
Suggest you try Chase.
All opinions are based solely on my experiences. I don't care if you like it or not. When you get into your 60's, you get tired of being careful with what you say. Now I just say wht is on my mind and IDGAF as to your opinion.
Posted on 8/4/18 at 12:58 pm to RougeDawg
you typod an 8 in place of a 6 baw.
Posted on 8/4/18 at 1:01 pm to RougeDawg
quote:So why do you need another credit card?
Recently got a Discover It for cash back and Southwest card for 40,000 points (which is a hell of a deal). Thanks.
Posted on 8/4/18 at 1:05 pm to 777Tiger
quote:Are you saying Amex is not a credit card? I’ve had one going on 30 years.
not a credit card
Posted on 8/4/18 at 1:07 pm to RougeDawg
After being wuth Bank of America since the mid 90s and still treated like a number I switched to a Credit Union. Great move.
Posted on 8/4/18 at 1:08 pm to Oddibe
quote:
So why do you need another credit card?
Churning for signup bonuses.
Posted on 8/4/18 at 1:08 pm to RougeDawg
Why the frick would you want a card from BOA?
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