s******m
发帖数: 2310 | 1 大半年前申请贷款的时候分数都是780+我记得
然后前一段申请那个citi aa 75k 被锯了 email说：
The application was processed by a credit scoring system
that assigned a numerical value to various items on your
application and your credit bureau report. The
information did not score a sufficient number of points for
approval.
打电话去问 说两个原因 insufficient credit history 和 近半年内太多credit
inquiry
于是给equifax要了report：
10yr+ good history, avg acount age 5yr+
3 hard pull in recent 6 months
最近两年一共11 inquiry
我觉得信用看起来不错啊 怎么觉得是他们不想给75k就随便找了个借口据呢？
问了关于那个75k 说如果approve了就会给
需要mail一份厚厚的credit report给他们 值得argue么？能要回来的概率多大？ | l***a
发帖数: 12410 | 2 不值，他们一向随便给理由的
【在 s******m 的大作中提到】
: 大半年前申请贷款的时候分数都是780+我记得
: 然后前一段申请那个citi aa 75k 被锯了 email说：
: The application was processed by a credit scoring system
: that assigned a numerical value to various items on your
: application and your credit bureau report. The
: information did not score a sufficient number of points for
: approval.
: 打电话去问 说两个原因 insufficient credit history 和 近半年内太多credit
: inquiry
: 于是给equifax要了report：
| s******m
发帖数: 2310 | 3 然后不管你说什么都不会approve么？
不值，他们一向随便给理由的
【在 l***a 的大作中提到】
: 不值，他们一向随便给理由的
| s******m
发帖数: 2310 | 4 Dear Mr/Mrs,
I applied for Citi American Airline Advantage Credit Card on ***** 2011, but
was denied.
I called card service, and was told I was denied for the following reasons:
Insufficient credit history and too many credit inquiries within the
recent 6 months.
I requested a credit report from Equifax, which is included in this letter.
From the report, there shows a 10 year and 9 months credit, and only 2
inquiries within the recent 6 months that’s from Nov ****** 2010 to ******
2011, which were from:
*** on *** and **** on ***
I had a good credit history for over 10 years, held a credit score over 780
before 6 months, got only 2 inquiries within most recent 6 months, but was
named ‘insufficient credit history and too many inquiries within most
recent 6 months’ by the representative through the phone. I don’t see any
reason that may hurts my credit and I request my application reconsidered.
If this letter still does not satisfy Citi Bank, I would like to hear a
detailed reason.
大半年前申请贷款的时候分数都是780+我记得
然后前一段申请那个citi aa 75k 被锯了 email说：
The application was processed by a credit scoring system
that assigned a numerical value to various items on your
application and your credit bureau report. The
information did not score a sufficient number of points for
approval.
打电话去问 说两个原因 insufficient credit history 和 近半年内太多credit
inquiry
于是给equifax要了report：
10yr+ good history, avg acount age 5yr+
3 hard pull in recent 6 months
最近两年一共11 inquiry
我觉得信用看起来不错啊 怎么觉得是他们不想给75k就随便找了个借口据呢？
问了关于那个75k 说如果approve了就会给
需要mail一份厚厚的credit report给他们 值得argue么？能要回来的概率多大？
【在 s******m 的大作中提到】
: 大半年前申请贷款的时候分数都是780+我记得
: 然后前一段申请那个citi aa 75k 被锯了 email说：
: The application was processed by a credit scoring system
: that assigned a numerical value to various items on your
: application and your credit bureau report. The
: information did not score a sufficient number of points for
: approval.
: 打电话去问 说两个原因 insufficient credit history 和 近半年内太多credit
: inquiry
: 于是给equifax要了report：
| c****n
发帖数: 1630 | 5
问题是总有个真实理由吧？
申请人记录好，没啥问题，为啥要拒呢？对他们自己有啥好处？
所以我觉得还是argue一下，肯定哪里出问题了。
【在 l***a 的大作中提到】
: 不值，他们一向随便给理由的
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