🚜NTO

Got drunk with a guy who spent 6 years approving business credit applications at a major bank He got laid off in March so he doesn't give a fuck anymore I asked him the question everyone argues about: why does a guy with an 800 score get denied while some 3 week old LLC walks out with $80,000 He laughed and said "nobody reads the applications" I thought he was exaggerating. He wasn't. A scoring model reads them. It looks at six things and a human being never enters the room He broke it down after the third beer: 1. Your score band. Not your score. The machine doesn't care about 762 vs 758, it cares which bucket you're in. 680+, 720+, 740+. Cross a line, different universe 2. Inquiries in the last 6 months. Past that window they basically stop existing. Two identical files, one applied for shit 4 months ago, one 7 months ago. Different decisions 3. Utilization on the day your statement cut. The machine never sees what you owe. It sees what you reported. Pay the card down 3 days before the cut and it scores a different human 4. Whether you already have deposits with them. Existing checking with real money in it moves you into a different approval pool. He said internal limits for existing customers ran way higher on the same exact score 5. Your industry code. Six digits. Some codes are pre-flagged before a person is even hypothetically involved 6. The size of the ask. Under a certain line the computer decides alone in seconds. Over it, a human gets pinged, and the human's job is to find reasons to say no Then he said the part that actually fucked me up The denial reasons on your letter? Picked from a dropdown menu. After the decision. The machine says no and some employee selects which boilerplate sentence you get mailed "so how would you apply, knowing all of it" His answer: open the checking account 60 days early and feed it. Pay everything down before statements cut, not on the due date. Rest the file so the 6 month window is clean. Ask under the line, not over it. Then apply, because the file only looks that perfect for a minute The whole time you thought a banker was judging you, it was a spreadsheet sorting you. And the spreadsheet's rules just got handed out at a bar for the price of three beers lmfaooo link in bio and i'll show you how you can qualify for up to 250k in 0% APR funding (if you have a 700+)