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  1. #1

    New One for Me

    Anyone ever get a client with a 394 FICO?

    Have a really messed up file. Any thoughts on what to do with it?

  2. #2
    Banned Reputation points: 17587
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    send it to the HR dept.

    hr.jpg

    Joking, no. No idea there. First instinct is to say YSC?

  3. #3
    Nah,

    Yellowstone wont even touch this one.

  4. #4
    Senior Member Reputation points: 10944
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    Quote Originally Posted by Triton View Post
    Nah,

    Yellowstone wont even touch this one.
    For good reason....This merchant's credit looks as if they literally made every possible attempt to screw over anyone and everyone they could. And its to bad because the file isn't that bad, besides that they screw everyone over.

  5. #5
    lol

    my thoughts exactly

  6. #6
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    New One for Me

    Who do you have to stiff to achieve a sub 400?

  7. #7
    Member Reputation points: 10 pmoney's Avatar
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    Quote Originally Posted by Triton View Post
    Anyone ever get a client with a 394 FICO?

    Have a really messed up file. Any thoughts on what to do with it?
    394?!? I've seen some shot credit scores but that's borderline impressive. I mean you realllly have to work hard to get down that low. We don't have minimum credit score requirement but with a score like that I'd have to imagine there's some hairy stuff going on in that credit file. If they have the collateral let me know, I'll take a stab at it.
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  8. #8
    Senior Member Reputation points: 32550 Funder Mark's Avatar
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    Its THAT bad? I have seen some people with bad credit, worst I remember is 460 or so, how did this guy get the opportunity to screw over even more people after the first 20?

  9. #9
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    Damn, that funny thread is gone. Oh well. Yes, 394 is a record, but I remember the 2nd runner up was an ex-pro basketball player who completely flaked out on his AMEX 1.2 million dollar black card balance (charged off), and was trying to start a restaurant. He even only had a 430.

  10. #10
    Quote Originally Posted by FUNd View Post
    Damn, that funny thread is gone. Oh well. Yes, 394 is a record, but I remember the 2nd runner up was an ex-pro basketball player who completely flaked out on his AMEX 1.2 million dollar black card balance (charged off), and was trying to start a restaurant. He even only had a 430.
    I win.

  11. #11
    Senior Member Reputation points: 7162 TheShitzuofMCA's Avatar
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    I think you have to actually assault a bill collector in order to get below 400



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