Just wondering what my chances may be to get in with Barclay. Most likely the Average Credit version.
Stats are as follows
TU - 640 (true fico)
AAoA approx 3 years
6 inq, 3 of which are recent - those 3 are ON card decline, Barclay decline (6 months ago), Smart Connect approved 1 month ago
Util is around 60% - I know this should be lower
Some baddies all over 2 years old, all medical (working on pfd as we speak).
I just wanted to try for one more before heading to the garden for an extended stay 
Any input or advice is greatly appreciated!
Sorry the previous thread wasn't up before I posted mine...see he/she is wanting the same information 
I would recommend you get your utilization lower before you app for the Barclays reward card. When you were declined 6 months ago what were the denial reasons? Let us know the answers and maybe we can help some more.
- Serious delinquency, and public record or collection filed - The collections, I know, although I did get one pfd, so a little has changed there
- Length of time revolving accounts have been established - AAoA which should be a little better now
- Proportion of balances to credit limits is too high on bank revolving or other revolving accounts - Util, which I know is better now, but still not great
These I believe were the main denial reasons...the score at the time TU was 600 or so, if I remember correctly.
Thanks for the response and input btw
Correct that utilization and your score should bounce up more. Once you get the utilization in line I'd say you have a better chance of getting it. If you correct the denial reasons, I think you have a strong chance on recon if it's not an instant approval... just have to show them that you paid attention and made improvements. You can do it! 
You can do it!
@Eyisila wrote:
- Serious delinquency, and public record or collection filed - The collections, I know, although I did get one pfd, so a little has changed there Basically no change
- Length of time revolving accounts have been established - AAoA which should be a little better now.Been 6 months so AAoA is about the same, plus you added a new acount, if it reporting it can lower that
- Proportion of balances to credit limits is too high on bank revolving or other revolving accounts - Util, which I know is better now, but still not great Basically no change again.
These I believe were the main denial reasons...the score at the time TU was 600 or so, if I remember correctly.
Thanks for the response and input btw
I don't see where your file has improved in the area's they sited before.. I would suggest atleast waiting till you get your %Ulit down.. That way you can recon and say hey I got one of the items listed from the previous denial letter corrected.