"FICO Denied With 600+"
Centennial® Gold Credit Card Review
Written by: vin on 2007-01-17
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vin's review: 
I applied online, going by their own words of "546 Fico " or higher stand better chance.
I was denied and told I'd get reject letter from Credit br. In 10 days or so. My Fico with same c. B. is 596, other 2 bureaus have me at 610,608 respectfully, they claim delinquent accounts. Bought new car in 7-05, have perfect credit record with all 3 C. B. With this account. ( 2 ) I have a credit card that has a limit of $1,000.00 it started at $300.00 1 yr + ago and they have raised it every few months due to Perfect payment schedule. I have no other current stuff. I rent, and pay all bills on or before due in full. Credit card paid in full each month never late for 15 month I have had it. Car payment same thing.
Now I will probably loss points in credit standing due to their rejection and all I did was pay my bills on time, WHAT;S WRONG WITH THIS PICTURE. I'm sure others have gotten this same thing, if so just reply to this and lets see if we can find out whats going on,. Are they selling names, or just getting S/S #s to sell I don't know, but will find out.
Help me out if it happened to you please POST it. Thanks Ticked Off.
I applied online, going by their own words of "546 Fico " or higher stand better chance.I was denied and told I'd get reject letter from Credit br. In 10 days or so. My Fico with same c. B. is 596, other 2 bureaus have me at 610,608 respectfully, they claim delinquent accounts. Bought new car in 7-05, have perfect credit record with all 3 C. B. With this account. ( 2 ) I have a credit card that has a limit of $1,000.00 it started at $300.00 1 yr + ago and they have raised it every few months due to Perfect payment schedule. I have no other current stuff. I rent, and pay all bills on or before due in full. Credit card paid in full each month never late for 15 month I have had it. Car payment same thing.
Now I will probably loss points in credit standing due to their rejection and all I did was pay my bills on time, WHAT;S WRONG WITH THIS PICTURE. I'm sure others have gotten this same thing, if so just reply to this and lets see if we can find out whats going on,. Are they selling names, or just getting S/S #s to sell I don't know, but will find out.
Help me out if it happened to you please POST it. Thanks Ticked Off.
1 Comment
Comment 1 by michael
Response To 546 Their FICO... 
on 2007-01-17
Hello Vin,
I wanted to address some assumptions on the system. FICO scores are assigned mostly by computation from a methodological computation for each card. The suggested FICO does not consider other items required on a card application, such as household income,time at current employer, etc that a issuer may evaluate when making a approval decision.
on 2007-01-17 Hello Vin,I wanted to address some assumptions on the system. FICO scores are assigned mostly by computation from a methodological computation for each card. The suggested FICO does not consider other items required on a card application, such as household income,time at current employer, etc that a issuer may evaluate when making a approval decision.
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Disclaimer: This content is not provided by PREMIER Bankcard. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by PREMIER Bankcard. Review content is powered by Finance Globe.
