Citi Costco denial, should I Recon?

[TiminCO]

So I apped for the new Costco card and was denied, the letter said I had a late payment recently. My last late was 4 years ago... What gives? That was the only reason listed. That was an old United Chase Visa that was closed and paid in full. I was an authorized user. I guess my question is, should I even bother to recon? My DW and I do spend our fair share at Costco.

[Anonymous]

I don't see why not. You already got the hp. Make it work for you.

[blunderer]

If you can recon without them doing another HP I say definitely go for it.  GL 

[Anonymous]

I've been thinking about this card. Woud you be so kind as to share your stats?

[CountryLivin]

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@TiminCO wrote:

So I apped for the new Costco card and was denied, the letter said I had a late payment recently. My last late was 4 years ago... What gives? That was the only reason listed. That was an old United Chase Visa that was closed and paid in full. I was an authorized user. I guess my question is, should I even bother to recon? My DW and I do spend our fair share at Costco.

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You might as well....you really have nothing to lose, as you already took the hard pull for it. Good luck!

[TiminCO]

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@Anonymous wrote:

I've been thinking about this card. Woud you be so kind as to share your stats?

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Sure. FICO 8 scores about 650, 9-12 inq. On each credit report. It's funny cause DW scores are 760 and she has had her card for 3 years and it has been stuck at a $1200 CL

[Vegas4Play]

You were an AU on a card with a Late payment on it? Why have you never gotten it removed from your report long ago.

[Anonymous]

Thank you. Good luck! 

[TiminCO]

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@Vegas4Play wrote:

You were an AU on a card with a Late payment on it? Why have you never gotten it removed from your report long ago.

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Didn't know I could do that. When I get home tonight I am going to check my credit reports to see, but they may have that falsely reported as a joint account. Do you have personal knowledge of someone successfully doing what you suggested?

[TiminCO]

I'm starting to think I can try to get a few things corrected on my reports...