@Anonymous wrote:
Yes. I asked to speak to a supervisor and she said she was. I explained why I was calling. She said she was looking at my app. She said it was denied automatically by their computer system. I explained the acct in collections. She said it looked like I met their lending criteria. Asked to put me on a brief hold while they review my report. About 5 mins later she came back on and said that the LO disregarded the collection acct but unfortunately it was still denied bc there isn't enough accts or history to make a qualified decision.
Well I would say stay with them .. and after 3 months app again.
Especially if you see a spike in your scores.
Do that thing that Baller sent you in regards to the medical.
Once you get those to disappear I would try again in 3 months ...
I still think you are going to be super happy with them once you get some credit with them.
Was that just with the credit card or was that also with the car loan?
Because car loan is secured... so you may have a better shot.. and again most likely on the same pull .. not always.
