原本以为wf只是模型比较抽象，观察一圈dp感觉是过拟合到奇怪的factor
收到了类似的拒信。800分申WF自家的信用卡被如下理由拒了：
• Ratio of credit bureau trades with a balance greater than zero (We look at the ratio of open and closed credit accounts that have a balance greater than zero in the last 6 months)
• Number of revolving bankcards reported by credit bureau (We look at the number of bank credit cards in your credit bureau report)
字面理解，你已经有很多信用卡，而且你都在用。你申请BILT就是来薅房租的吧。信用分再高也不批
我也是悲剧了，然后我去看credit inquiry，Experian 都没有credit inquiry的记录。我的理由写的是income不够多，当时随便写的income，难道income没过。
后来又看了一下Bilt对我只有soft pull