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