Re: Any Successful Costco Recons yet?

Anonymous · ‎06-28-2016

The letter finally came for my husband's Citi Costco denial - too many inquiries. Is a recon possible? If so, should I call the number on the letter for the Costco specific card or one of the EO numbers in the backdoor numbers thread?

CreditCuriosity · ‎06-28-2016

@Anonymous wrote:
The letter finally came for my husband's Citi Costco denial - too many inquiries. Is a recon possible? If so, should I call the number on the letter for the Costco specific card or one of the EO numbers in the backdoor numbers thread?

EO would be person you would reach out to .. With regards to any successful recons I believe I heard of at least one where person had 5 inquiries with high 700 scores

Scupra · ‎06-28-2016

Might as well try! What do you have to lose at this point?

Anonymous · ‎06-29-2016

My husband called the number on the letter, which was specifically for the Costco card. The rep was very kind and helpful and said she thinks he should call back in 1 month when several inquiries will be over 6 months old. She said they may be able to use the same app and hard pull and approve him then. So he will try again then and if it doesn't work contact the EO at that time. He does have a lot of inquiries, so this is no surprise.

RonM21 · ‎06-29-2016

Well at least he knows where he stands. The only thing to be aware of is that calling back after a month can likely cause another HP. Just something to consider.

Total CL: $321.7k

UTL: 2%

AAoA: 7.0yrs

Baddies: 0

Other: Lease, Loan, *No Mortgage, All Inq's from Jun '20 Car Shopping

Anonymous · ‎06-29-2016

I highly doubt they will use the same hard pull a month later.

patrick00032001 · ‎06-30-2016

The number on that letter is worthless, call 1-605-331-1698, its the executive team, they have way more pull as far as getting a second review on the application, the number you called in regards to the letter is about as effective as a Jeep on snow with no tread left on its tires! lol Best of luck!!

Discover IT $32,500, Chase Freedom $1,000.00, Sears Mastercard $10,000, Wal-Mart DC $10,000.00, Kohl's $3,000.00, Chase Slate $52,000.00, 3 Rivers FCU Platinum Mastercard $25,000.00, IU Credit Union $25,000.00, Penfed LOC $25,000.00, Fort Financial CU $15,000.00, Home Depot $22,000.00, Lowe's $20,000.00, Penfed Power Cash Rewards $25,000.00, PenFed Travel Amex $25,000.00, Value City Furniture $10,000.00, PNC Points Visa Signature $15,000.00, GM Buy Power card $5,000.00, BOA 123 Visa Siggy, $62,000.00, Citi DC $15,000.00, GM Extended Family $3,000.00, Fire, Police, City, County, FCU $10,000.00, TU 791, Eq 765, Exp 772

Anonymous · ‎06-30-2016

i tried to recon my costco visa denial and call the eo office and the lady said she would send my app to be manually reviewed but no luck with her. i thought the EO office had the power to overturn the decision but i guess they dont. Said i would hear from them no later than next thursday.

patrick00032001 · ‎07-01-2016

Thats odd? The person I spoke with was able to over turn the decision right away? Either way, I hope your review goes through quickly! Maybe they have limited authority when it comes to certain criteria?

Discover IT $32,500, Chase Freedom $1,000.00, Sears Mastercard $10,000, Wal-Mart DC $10,000.00, Kohl's $3,000.00, Chase Slate $52,000.00, 3 Rivers FCU Platinum Mastercard $25,000.00, IU Credit Union $25,000.00, Penfed LOC $25,000.00, Fort Financial CU $15,000.00, Home Depot $22,000.00, Lowe's $20,000.00, Penfed Power Cash Rewards $25,000.00, PenFed Travel Amex $25,000.00, Value City Furniture $10,000.00, PNC Points Visa Signature $15,000.00, GM Buy Power card $5,000.00, BOA 123 Visa Siggy, $62,000.00, Citi DC $15,000.00, GM Extended Family $3,000.00, Fire, Police, City, County, FCU $10,000.00, TU 791, Eq 765, Exp 772

Anonymous · ‎07-01-2016

Thanks, hopefully it does, what was the reason for your denial if you dont mind sharing?

Any Successful Costco Recons yet?

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Any Successful Costco Recons yet?