Reply
Regular Contributor
codesingh
Posts: 245
Registered: ‎12-27-2012
0

Barclay Arrival denied due to 7 TU HPs...

Too bad...I am denied because I have 7 HPs in past 7 months.

Other details about my CR are:

 

Score: above 735 on all 3 CB

baddies: none

existing TL with barclay: 1 (nfl extra points)...always PIF (first open in March 2013)

 

I don't know what else should matter...I'll never understand the way decisions are made on TLs.

~ 100k in Rev CC. 15k Credit Line. 16.5k Car Loan(@1.7%) Starting scores: 690 EQ (Dec 2012) Mid-year FICO scores April ‘13 Pulled by lenders(Barclays, Amex): TU 747 • EQ 752 • EX 746 • Scores As of Nov 2013: 740 and above across the board.
Moderator
09Lexie
Posts: 26,592
Registered: ‎09-13-2012
0

Re: Barclay Arrival denied due to 7 TU HPs...

Sorry for the denial. Barclays seems to be Inq/new acct sensitive more than any other lender
Regular Contributor
codesingh
Posts: 245
Registered: ‎12-27-2012
0

Re: Barclay Arrival denied due to 7 TU HPs...

ya seems that way. no worries...i'll wait for sometime for next eval.

~ 100k in Rev CC. 15k Credit Line. 16.5k Car Loan(@1.7%) Starting scores: 690 EQ (Dec 2012) Mid-year FICO scores April ‘13 Pulled by lenders(Barclays, Amex): TU 747 • EQ 752 • EX 746 • Scores As of Nov 2013: 740 and above across the board.
Moderator
09Lexie
Posts: 26,592
Registered: ‎09-13-2012
0

Re: Barclay Arrival denied due to 7 TU HPs...

Regular Contributor
codesingh
Posts: 245
Registered: ‎12-27-2012
0

Re: Barclay Arrival denied due to 7 TU HPs...

I wondered why I wasn't freaking out...coz it is my first denial in 7 months of approval after approvals...hence no worries!

~ 100k in Rev CC. 15k Credit Line. 16.5k Car Loan(@1.7%) Starting scores: 690 EQ (Dec 2012) Mid-year FICO scores April ‘13 Pulled by lenders(Barclays, Amex): TU 747 • EQ 752 • EX 746 • Scores As of Nov 2013: 740 and above across the board.
Community Leader
Senior Contributor
myjourney
Posts: 26,659
Registered: ‎02-07-2013
0

Re: Barclay Arrival denied due to 7 TU HPs...


codesingh wrote:

I wondered why I wasn't freaking out...coz it is my first denial in 7 months of approval after approvals...hence no worries!


A little time in the garden and then apply again for best results:smileywink:

"Intelligence plus character--that is the goal of true education"
Last 5 apps 6/13


Senior Contributor
john398
Posts: 3,526
Registered: ‎01-19-2009
0

Re: Barclay Arrival denied due to 7 TU HPs...

just curious did you call for a recon? Sometimes if you can explain the inquires they will approve

Established Contributor
JonStur
Posts: 905
Registered: ‎12-25-2010
0

Re: Barclay Arrival denied due to 7 TU HPs...

+1

Starting Score: TU 686 EX 641 EQ 690
Current Score: TU 779 EX 767 EQ 740
Goal Score: 800 Club

BCE $12.5K, 5/3 Sig $10K, Wally Discover 10K, Cash+ $9K Sam's Discover 10K, Freedom $6K, Zales $5.5K, More $5K, Cap one $5K, Barclay 2.5K, Household Plat $1.5K, Household Gold $1.5K, Credit One $1K, First Premier Plat $.675K First Premier Gold $.65K
Regular Contributor
codesingh
Posts: 245
Registered: ‎12-27-2012
0

Re: Barclay Arrival denied due to 7 TU HPs...

Yes. They denied me based on their internal(because i got their NFL extra points in March). It wasn't a HP until then.

I looked up the backdoor number for barclay and called the number, they asked for my permission for a HP I authorized, still no go! He did mention that my file looks good but just that they need to see my existing TL mature with their bank more. Cr*p cr*p cr*p

~ 100k in Rev CC. 15k Credit Line. 16.5k Car Loan(@1.7%) Starting scores: 690 EQ (Dec 2012) Mid-year FICO scores April ‘13 Pulled by lenders(Barclays, Amex): TU 747 • EQ 752 • EX 746 • Scores As of Nov 2013: 740 and above across the board.
Senior Contributor
john398
Posts: 3,526
Registered: ‎01-19-2009
0

Re: Barclay Arrival denied due to 7 TU HPs...


codesingh wrote:

Yes. They denied me based on their internal(because i got their NFL extra points in March). It wasn't a HP until then.

I looked up the backdoor number for barclay and called the number, they asked for my permission for a HP I authorized, still no go! He did mention that my file looks good but just that they need to see my existing TL mature with their bank more. Cr*p cr*p cr*p


oh ok, so they only do a soft pull if you have another card with them, like AMEX does?  or did I read that wrong


myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+
}