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Hi all,
New here... recently rebuilding credit have CH7 in 2009, already have car loans etc... have a secured credit card from my CU and capital one. Recenty applied for Nordstrom but was declined to recent inquiries in te past 2-6 months and a cc with over 80 % balance... EX score is 610.. i did some search that this is one of their main
reason to decline but should I try calling for reconsideration? or just wait?
regards,
Alex
Usually lenders use that excuse when there is something they don't like in your profile. It's almost never the real reason for the decline unless you are dealing with someone like Citi who has a fairly strict rule on recent inquiries.
@mattmyFIC0 wrote:Usually lenders use that excuse when there is something they don't like in your profile. It's almost never the real reason for the decline unless you are dealing with someone like Citi who has a fairly strict rule on recent inquiries.
Thanks Matt.
I agree , aside from previous bk, inquiry and close to limit cards.. dont really have much negaitve.
Wanted to send an email but looking at the old posts they were deleted for privacy reasons..
Anyone have these information?
how many inquiries do you have? do you know which report they pulled? Also, you need to pay your balances down some. 80% is high.
@Anonymous wrote:how many inquiries do you have? do you know which report they pulled? Also, you need to pay your balances down some. 80% is high.
wasnt much but was recent..
4 in the last 2 months... yes i'll pay that down this month.....thanks! they pulled Equifax.. so including them its 5...lol!
Thanks Janzy310 appreciate the info