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Denied for Barclaycard Visa, called to recon today and was approved!

Member

Denied for Barclaycard Visa, called to recon today and was approved!

I am in the process of re-establishing my credit and after doing a bit of research on here I applied for a Barclaycard Visa® with Apple Rewards. I was denied last week and today I called 866-408-4064, which was provided on another myfico form by a contributor. The rep went through my credit report and asked me a couple of questions.....1. why I filed bk in 2014 - I responded that I went through a divorce. 2. why do I have 2 closed cc accounts with balances - I stated I still make payments on the accounts but the accounts are in dispute (First Premier). She said ok and approved me for $1000 to start. She told me once my acct is established with them I can call and request a credit increase. Just wanted to thank all the contributors for sharing. This website is a great tool to helping folks re-establish themselves! 
12 REPLIES
Established Member

Re: Denied Barclay called to recon today and was approved!

Hooray

 

http://www.andoverandvillages.co.uk/images/0lucy/anigif_enhanced-4848-1404506068-54.gif

| January 2017 American Express Blue | $3000 | October 2017 American Express Everyday | $2800 | October 2017 American Express Schwab Investor Card | $3000 | September 2017 Bank of America Cash Rewards Visa Signature | $1,500 | December 2016 Discover it | $1,700 | September 2017 Paypal MC | $700 | September 2017 Nordstrom Store CC | $1000 | CreditCare | $12000 |


EX 684 October 2017
TU 702 October 2017
INQs: 5
Credit Started January 2017






cc
Established Contributor

Re: Denied Barclay called to recon today and was approved!

Way to go! Congrats

Current Scores EQ 699| EX 677| TU 671
Comenity 42.7k| Capital One 32.3k| Navy Fed 21k| Synchrony 21k| BBVA Compass 5.5k| First Commerce 4k| Barclays 1.9k|
GARDENING UNTIL APPING....
Valued Contributor

Re: Denied Barclay called to recon today and was approved!

Good job, congratulations. Dv


     $500         $1,000        $1,300        $1,500        $1,850         $3,400        $3,500                            $9,500        $1,000

Re: Denied Barclay called to recon today and was approved!

Congrats!  Do you mind sharing your data?  I'm thinking of applying for the Barclay Apple later on this week after all my paid balances  and CLI updated.  Still somewhat hesitate because I don't want to waste an HP on it.  Thanks

Member

Re: Denied Barclay called to recon today and was approved!

Current Scores EQ 580| EX 660| TU 680

I have items that are currently in dispute, EQ - is very stubborn which is why you see such a big difference in my scores

Super Contributor

Re: Denied Barclay called to recon today and was approved!

Wish the best working with Equifax! They equal the true dictionary definition of "dumb." I will add stubborn! Ride them like a horse and don't give up.
Starting Score: 802
Current Score: 821
Goal Score: 850


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Re: Denied Barclay called to recon today and was approved!


msvee32 wrote:

Current Scores EQ 580| EX 660| TU 680

I have items that are currently in dispute, EQ - is very stubborn which is why you see such a big difference in my scores


 

Thank you.  My score is very similar to yours.  EQ is also my lowest right now since of a charged off account got updated recently.  I also have a collection with PRA and around 15 inquiries listed on TU.   From what I read here, it seems like Barclay is somewhat sensitive to high inquies..  Hopefully once all my balances are updated down to 20% UTI, TU score would go up a bit to make up for the high inquiries.

Member

Re: Denied Barclay called to recon today and was approved!

I will!
Member

Re: Denied Barclay called to recon today and was approved!

My TU is where they pulled and I do have a lot of inquiries, 11. I am working on those as well. EQ and EX have me at 4