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Regular Contributor
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
Posts: 27,207
Registered: ‎09-13-2012
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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
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
Posts: 27,207
Registered: ‎09-13-2012
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Re: Barclay Arrival denied due to 7 TU HPs...

Regular Contributor
Posts: 245
Registered: ‎12-27-2012
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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
Posts: 26,876
Registered: ‎02-07-2013
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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:



+ Chase Ink =

Senior Contributor
Posts: 3,528
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
Posts: 909
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
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
Posts: 3,528
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

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