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Barclay..What a joke

Frequent Contributor

Re: Barclay..What a joke

did i mention entitlement.I was just saying is my inquiry and is my score going down base on that inquiry.Look all iam saying is that a little better jugment on the underwriting procces would be nice Smiley Happy


COMMERCE BANK PLATINIUM VISA 20K*PAYPAL MC $9.5K*CITI FORWARD $8.5K*PENFED $6,5K*
*LOWES $6K *CMN BANK $5.2K-*PNC $5K*SCLUB DISC. $5K*
WMART DISC.4K*CMN BANK 3.75K*BANK OF AMERICA $3K* MACYS $2.2K*
JCP $1.8*TARGET $0.7K* UTL1%- AAOA 5.5- TOTAL 12 yrs History/
Transunion 718 Equifax 733- Experian 736
Message 11 of 52
Valued Contributor

Re: Barclay..What a joke

OP, when was the last time you pulled your reports?  Inquiry sensitive or not, 2 different independent banks closing your accounts HINTS that some else is wrong.


Major CC's - Barclay's ($5.5K) | Barclay's Sallie Mae MC ($5K) | DCU ($7.5K) | Discover IT ($1.4K) | Genisys Visa ($1.4K) | NFCU Visa ($22K) | Navcheck ($15K) | Chase Freedom ($5K) | SDFCU Visa ($8K) | Amex BCP ($9.5K) | Amex Delta ($10K) |Store CC's| -Amazon ($4K) | Catherines ($850) | JCP ($4K) | Macy's ($1.7K) | Avenue ($850) | Victoria's Secret ($1.4K) | Walmart ($4.1K) | Paypal SC ($1.3K) | HSN ($2.5) | Sears ($2.6K) | Sams Club ($4.1K) |Goal|: Age with grace to 750 across the board |Last app|: 3/3/2014
Message 12 of 52
Frequent Contributor

Re: Barclay..What a joke

My credit profile has been improved so i dont know what alse would spark the closure of the credit cards.I make 125k a year and i have 1 % utl.my aao is at 5.5 years and the oldest account is 12 years old.Not good at hiding really


COMMERCE BANK PLATINIUM VISA 20K*PAYPAL MC $9.5K*CITI FORWARD $8.5K*PENFED $6,5K*
*LOWES $6K *CMN BANK $5.2K-*PNC $5K*SCLUB DISC. $5K*
WMART DISC.4K*CMN BANK 3.75K*BANK OF AMERICA $3K* MACYS $2.2K*
JCP $1.8*TARGET $0.7K* UTL1%- AAOA 5.5- TOTAL 12 yrs History/
Transunion 718 Equifax 733- Experian 736
Message 13 of 52
Regular Contributor

Re: Barclay..What a joke

Are the accounts listed on the bottom of your signature your current limits on those cards? 


Starting Score: equifax 543myfico,experian (fako)634 quizzle, 605 walmart tu08
Current Score:equifax 649 myfico,experian 643 FICO (lender pull) , 651 walmart tu08, 650 Transunion 98 FICO (lender pull
Goal Score: 680 all three Dec 31 2012


Take the FICO Fitness Challenge
Message 14 of 52
Valued Contributor

Re: Barclay..What a joke


astritaho1979 wrote:

My credit profile has been improved so i dont know what alse would spark the closure of the credit cards.I make 125k a year and i have 1 % utl.my aao is at 5.5 years and the oldest account is 12 years old.Not good at hiding really


Okay but what is on your reports TODAY?  Take a look at it and you may find out what has scared Barclays and US Bank.


Major CC's - Barclay's ($5.5K) | Barclay's Sallie Mae MC ($5K) | DCU ($7.5K) | Discover IT ($1.4K) | Genisys Visa ($1.4K) | NFCU Visa ($22K) | Navcheck ($15K) | Chase Freedom ($5K) | SDFCU Visa ($8K) | Amex BCP ($9.5K) | Amex Delta ($10K) |Store CC's| -Amazon ($4K) | Catherines ($850) | JCP ($4K) | Macy's ($1.7K) | Avenue ($850) | Victoria's Secret ($1.4K) | Walmart ($4.1K) | Paypal SC ($1.3K) | HSN ($2.5) | Sears ($2.6K) | Sams Club ($4.1K) |Goal|: Age with grace to 750 across the board |Last app|: 3/3/2014
Message 15 of 52
Frequent Contributor

Re: Barclay..What a joke

pulld the report today 720 fico equifax 3 inq

715 transunion 1 inq


COMMERCE BANK PLATINIUM VISA 20K*PAYPAL MC $9.5K*CITI FORWARD $8.5K*PENFED $6,5K*
*LOWES $6K *CMN BANK $5.2K-*PNC $5K*SCLUB DISC. $5K*
WMART DISC.4K*CMN BANK 3.75K*BANK OF AMERICA $3K* MACYS $2.2K*
JCP $1.8*TARGET $0.7K* UTL1%- AAOA 5.5- TOTAL 12 yrs History/
Transunion 718 Equifax 733- Experian 736
Message 16 of 52
Frequent Contributor

yesRe: Barclay..What a joke

Yes they are


COMMERCE BANK PLATINIUM VISA 20K*PAYPAL MC $9.5K*CITI FORWARD $8.5K*PENFED $6,5K*
*LOWES $6K *CMN BANK $5.2K-*PNC $5K*SCLUB DISC. $5K*
WMART DISC.4K*CMN BANK 3.75K*BANK OF AMERICA $3K* MACYS $2.2K*
JCP $1.8*TARGET $0.7K* UTL1%- AAOA 5.5- TOTAL 12 yrs History/
Transunion 718 Equifax 733- Experian 736
Message 17 of 52
Valued Contributor

Re: Barclay..What a joke


astritaho1979 wrote:

pulld the report today 720 fico equifax 3 inq

715 transunion 1 inq


I have a 715 Fico score as of today with a bk, 4 baddies and 6 inquiries.  So your score in and of itself is great but that's not what I'm talking about.  When I asked what is on your report I am talking about tradelines and specifically baddies, negatives, judgements, collections, etc.  Anything like that.


Major CC's - Barclay's ($5.5K) | Barclay's Sallie Mae MC ($5K) | DCU ($7.5K) | Discover IT ($1.4K) | Genisys Visa ($1.4K) | NFCU Visa ($22K) | Navcheck ($15K) | Chase Freedom ($5K) | SDFCU Visa ($8K) | Amex BCP ($9.5K) | Amex Delta ($10K) |Store CC's| -Amazon ($4K) | Catherines ($850) | JCP ($4K) | Macy's ($1.7K) | Avenue ($850) | Victoria's Secret ($1.4K) | Walmart ($4.1K) | Paypal SC ($1.3K) | HSN ($2.5) | Sears ($2.6K) | Sams Club ($4.1K) |Goal|: Age with grace to 750 across the board |Last app|: 3/3/2014
Message 18 of 52
Super Contributor

Re: Barclay..What a joke

I could totally see Barclays closing you for a new auto loan and card, but not US bank. How old was your barclaycard?

Also i think all auto inquiries within 30 days only count as one, not sure though.
Message 19 of 52
Regular Contributor

Re: yesRe: Barclay..What a joke

Adding up all the accounts on the bottom of your signature the amounts come up to roughly 42k, Do you make over 100K to support  all the accounts that you have? If you don't then what ever income that you gave them would made them determined that you are high risk, thus closing your account. 


Starting Score: equifax 543myfico,experian (fako)634 quizzle, 605 walmart tu08
Current Score:equifax 649 myfico,experian 643 FICO (lender pull) , 651 walmart tu08, 650 Transunion 98 FICO (lender pull
Goal Score: 680 all three Dec 31 2012


Take the FICO Fitness Challenge
Message 20 of 52