Us bank declined

[Anonymous]

Has anyone ever called the underwriters number and had any success with them reconsidering after a denial? 

[Anonymous]

Scores?

IDA/ARS not on ice?

[Anonymous]

Scores are not great. Tu 600 and eq 562 and ex 562. Lots of older baddies and one judgement. 2 years perfect payment history with cp1. No collections newer then 2.5 years. 

[Anonymous]

My scores are Fico 08. I'm sorry I didn't find those abbreviations in the forum help area? 

[Anonymous]

That may be reason for denial ultimately.

What card did you apply for exactly?

[Anonymous]

The rei visa. 

[Anonymous]

Try one of the US Bank numbers in this thread.

However it might a tough sell..Work on getting some of those baddies removed.

[Anonymous]

Thanks Nixon appreciate your input. I got a little excited at the possibility. I got the offer in the mail. ( not a pre approval ) then I tried the pre qual on their website and it came up... I'll call tomorrow and post what happens. 

[Anonymous]

I gotcha.

Good luck with reconsideration!

[B335is]

US Bank is tough for reconsideration. If you call the regular application status line you can be connected to a CSR after all of the prompts. It can be hit or miss if they actually connect you to an Analyst. They also tend to be conservative, so ideally scores closer to 680-700 range. But you might as well ask, goodluck!