"Not Approved :( 696 Fico - Mortgage"

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Written by: robocop on 2008-04-03

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robocop's review: Callout Comment After reading here I decided to apply online for the Hooters card for the cool card ;)  My scores were 673/693/696 (TU where Hooters pulls).

I got the 7-10 day message, called in and was advised I was declined.  I shockingly asked why and the young lady said because I did not meet one of their criteria.  The one I didn't is that you cannot have not applied or obtained a mortgage between December 2004 and now (mine was obtained).  I was SHOCKED this is why I was declined.  I wish I had known that ahead of time and I wouldn't have applied/taken an INQ.  Now I am wondering if I can get Hooters to remove the inquiry because I certainly would not have applied had I know this was a factor.



Comment 1 by debtor00
Ask For Recon User Icon on 2008-04-03

Remarks That's crazy. I got a mortgage Nov 05 and refinanced it November 07 My fiance also took out property loan in March 07 we both have cards I have 1250 he has 7000.
Comment 2 by arod
Surprise User Icon on 2008-04-03

Remarks I really find it unusual because my FICO was 668 and they approve me but I know they use this credit scoring system.

Sorry to hear that,

Comment 3 by hjm331
Wow User Icon on 2008-04-03

Remarks This is ridiculous. We should start a thread where everyone posts the most ridiculous reasons as to why they got declined for a credit card.
Comment 4 by meya
Get Out Of Here! User Icon on 2008-04-03

Remarks Are you serious? That sounds crazy as I don't know what. I agree HJM331, I am going to start that right now. They could have came with something better than that.
Comment 5 by luckylique
Unbelievable User Icon on 2008-04-03

Remarks I applied for a mortage in that period and I was also approved for the Hooter's card. Never knew they would get that specific anyway. That is very interesting.
Comment 6 by lyyssa01
Yeah.. User Icon on 2008-04-03

Remarks I read something similar before. I've heard of creditors declining people not only based on when they took the mortgage, but the area they live in. It has to do something with the recent housing crisis. I don't have a Hooters card, and I took on a mortgage in October of 2006... Guess it's not worth even applying for!
Comment 7 by debtor00
Could Be User Icon on 2008-04-03

Remarks My area still has reasonable property values. Maybe it has to do with if the mtg you took out was in a high risk area.
Comment 8 by eric
Wow User Icon on 2008-04-04

Remarks I thought Merrick Bank was giving these cards to anyone with a 550 or better lol well that is a dumb reason for a denial.
Comment 9 by eric
Hooters Card User Icon on 2008-04-04

Remarks Im glad I got my Hooters card before I got my new mortgage...
Comment 10 by yoyo11
What? User Icon on 2008-04-04

Remarks If I got a hooters... Anyone else in the world should qualify for a hooters LOL!!
Comment 11 by ash
Re: Somethings Up User Icon on 2008-04-04

Remarks No, actually there is something going on with hooters these days. I was chatting with one of my board budds earlier and they couldn't get approved with a 710 score. Also folks are saying that they opened up the flood gates last year to get a good customer base but now they are doing a 180 on us. Now its anyones guess what the exact score is for approvals.
Comment 12 by meya
They Change User Icon on 2008-04-04

Remarks All creditors changes their introductories, they sucked a lot of us in with the high apr, and now the gates are closed. They are probably back to excellent credit. OOps, we better be careful.
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