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I applied last night, was instantly declined. I called the recon number 866-408-4064. TU pull of course, she looked over it and asked me why the amount of inquiries and why I had a late auto payment 2 years ago. I answered honestly, she put me on hold for a few minutes came back and told me I have been doing great with my payment history and uti and thats somehing they like to see, she approved me for $2k! Recon definitely works with Barclays!
Data Points:
TU FICO 642
14 inquiries
4 new accounts
4% uti
AAoA 2 years
1 medical collection
What did you tell her about the inquiries?
I was honest with her and told her I was dumb in my early 20s, and trashed my credit so I've been rebuilding the past 2 years. I told her I have been actively applying for cards while rebuilding and pointed out they are all at a $0 balance, and reporting $0 balance except for Discover is at $53. She liked that.
Nice work being honest.
Recon stories are great, thanks for sharing. It goes to show that if a person who was declined really wants a new TL and can prove they're less of a risk, lenders might be willing to stretch their underwriting standards beyond what a robot algorithm states.
I've never reconned a decline yet -- waiting to get my FICO scores back to the 650s before I attempt one.
I agree and I think it helps to be prepared so you can quickly, efficiently, and confidently answer their questions.
@JimmyWayne wrote:I applied last night, was instantly declined. I called the recon number 866-408-4064. TU pull of course, she looked over it and asked me why the amount of inquiries and why I had a late auto payment 2 years ago. I answered honestly, she put me on hold for a few minutes came back and told me I have been doing great with my payment history and uti and thats somehing they like to see, she approved me for $2k! Recon definitely works with Barclays!
Data Points:
TU FICO 642
14 inquiries
4 new accounts
4% uti
AAoA 2 years
Congratulations on your Barclay approval! Recon line is a life saver.
Congrats. How do you all get those pics of your credit cards and amounts to show up on every reply.
I have a similar story. Did an online application for the Apple Rewards card and got the decline via letter today. I called the above-referenced number and spoke with one rep and had to explain my bad credit history. After speaking to him, I was passed to another rep who asked me some security questions. At the end of the call, I was approved for a 2,500 credit limit. My TU credit score currently is at 631.
Excellent job on the recon approval!! Congratulations!!!