I have 3 accouts with PNC, My mortgage, personal & business. In the 2008 fiancial crisis, my credit score took a dive by opening more cards or trying for a consolidation loan, since then I have worked on paying down or off. I asked my branch manager over the yrs to see what needs to happen to get more credit worthy to unfreeze my equity line or use the equity in my vehicle. She said that they will not approve anything w/o a score of 680 or better, Now 2012, over the past 4 yrs, I have heard the same response, as much as I tried I could not get over 660. I started looking at other banks, and yes they pulled my score, but my debt to income was still too much for the approval, finally someone said PNC has to work with you because they own the loans. I went back and was denied for too many inq
A credit score is a number calculated using a system to predict the likelihood that a person will pay his or her debts. This affects how much you can borrow.