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Barclay Arrival denied due to 7 TU HPs...

Regular Contributor

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.
Message 1 of 19
18 REPLIES
Moderator Emerita

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
Message 2 of 19
Regular Contributor

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.
Message 3 of 19
Moderator Emerita

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

Message 4 of 19
Regular Contributor

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.
Message 5 of 19
Super Contributor

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 resultsSmiley Wink

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 6 of 19
Senior Contributor

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

Message 7 of 19
Established Contributor

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
Message 8 of 19
Regular Contributor

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.
Message 9 of 19
Senior Contributor

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

Message 10 of 19