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Help recon AARP card denial

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Subexistence
Established Contributor

Help recon AARP card denial

They only pulled EQ which was 755 at the time.

 

Denial reason was account age too short. Told me 10 months of credit history isn't long and having 5 ccounts open is too much in that short time period. They even told me my card limits of 6,100(disco) and 3,600(BCE) were too high! I didn't know that having high limits on other cards can lead to denial.

 

Anyways, I'm not sure how to recon a short history denial. Like how do I explain it?








Starting Score: Ex08-732,Eq08-713,Tu08-717
Current Score:Ex08-795,Eq08-807,Tu08-787,EX98-761,Eq04-742
Goal Score: Ex98-760,Eq04-760


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History of my credit
Message 1 of 5
4 REPLIES 4
Anonymous
Not applicable

Re: Help recon AARP card denial

Tell them you have been a cash/debit card user who has recently learned and got wiser about the importance of credit, tell them you're not desperate for credit, instead your new accounts serve the purpose of being more financially responsible by earning CB/Rewards on your monthly spending and more importantly, prepare and service your credit profile for future large purchase like car loans and mortgages.
Message 2 of 5
Meanmchine
Super Contributor

Re: Help recon AARP card denial

I think youre gonna have to garden for a bit. Its not just a short history they gave an issue with.  You have opened too many accounts in the last year and they also think that your current income doesnt warrent your current limits.

>3/2016 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671.
>5/2023 All 3 reports 840ish (F8) F9s = 850 but my app finger is still twitching
Message 3 of 5
Anonymous
Not applicable

Re: Help recon AARP card denial

You can also tell them something they can relate to, like you need the card for a hip replacement.
Message 4 of 5
Meanmchine
Super Contributor

Re: Help recon AARP card denial

LOL !

>3/2016 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671.
>5/2023 All 3 reports 840ish (F8) F9s = 850 but my app finger is still twitching
Message 5 of 5
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