Credit Reports and Scores

[preciousjeni]

Originally Posted by Drolefille

Ok, so first off you probably didn't get scammed if you bought it through AMEX.

That's why I went through them, but I've never heard of identical scores. Weird!

Second off you should have been able to get a free credit report following the rejection of your credit for the checking account. That's pretty standard.

I ordered a free report from the bureau they cited as having given the bad score, but I had to purchase the scores separately since they aren't reported. The notification I got from the bank specifically said it was a problem with the "score."

Assuming everything accurate on the report, credit's been tightened up a LOT recently and it may be less about your number and more about your history or something along those lines.

Boooooooooooooooooooooooooooooooo!

THANK YOU!! My paranoia kicked in on this one.

Originally Posted by PiKA2001

2. You score is about 40 points higher than mine and I'm never declined for credit so maybe that isn't your real credit score. Not to pry, but if you are maxed out credit wise in relation to your income it could explain why you were denied the line of credit.

I'm an open book when it comes to this stuff. I've never been maxed out credit-wise. In fact, every year or so - depending on the credit card - I request a limit increase just for the debt-to-credit ratio. Right now, I'm creeping up to $40,000 if you add up all the limits and I pay the cards off completely every statement.