Us bank declined

[elim]

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@Anonymous wrote:
Scores?

IDA/ARS not on ice?

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   +1...   good advice there

    Two secondary credit bureaus: ARS (Advanced Resolution Services) and IDA (ID Analytics).

    Freeze these two reports before you app for any US bank card.  They are known to pull these two.

[Anonymous]

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@Anonymous wrote:

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. 

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@Anonymous,

With your scores, I highly doubt if you will be approved even if you call to recon.  I hate to be this brutally honest but your scores are somewhat low for US Bank.

[taxi818]

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@Anonymous wrote:

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@Anonymous wrote:

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. 

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@Anonymous,

With your scores, I highly doubt if you will be approved even if you call to recon.  I hate to be this brutally honest but your scores are somewhat low for US Bank.

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+1 not trying to hurt feelings. Just go to the garden or as nixon said. Work on the baddies 

[Anonymous]

Thanks guys I know it's a long shot. Maybe I should inquire about a secured card with them? I have three positive cc reporting. Maybe the secured card will help me get in good with them?

[Anonymous]

It can't hurt.

[Anonymous]

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@Anonymous wrote:
Thanks guys I know it's a long shot. Maybe I should inquire about a secured card with them? I have three positive cc reporting. Maybe the secured card will help me get in good with them?

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@Anonymous,

Thats an excellent idea.  A secured card is the way to go.  Sometimes all it takes is a secured card to prove to them you are worthy of thier unsecured card lines.

[Anonymous]

I'm going to call them a little later I'll update you all soon :-D

[Anonymous]

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@Anonymous wrote:
I'm going to call them a little later I'll update you all soon :-D

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@Anonymous,

Excellent.  Keep us posted.

[Anonymous]

Well I had to reapply for the secured card. Got the 7 10 day message again. :-/ she said I had 28 derogs on my report. That's high compared to my big three reports. 

[Anonymous]

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@Anonymous wrote:

Well I had to reapply for the secured card. Got the 7 10 day message again. :-/ she said I had 28 derogs on my report. That's high compared to my big three reports. 

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@Anonymous,

28 derog. is a lot.  Did you ask what report they are looking at so that you can work on removing them?