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Barclay letter on denial

Contributor

Barclay letter on denial

So the letter cam today and said lack of banking relationship,low credit and something about debt. Does not make sense because I have a chase card with a 5,000 and owe 278. I have other cards with no balance. The only thing that I can think of is my student loans which I will have with e for th next 30 years. I can't help that they are high. As for banking relationship I have an accounts with Bank of America, Credit union and TD Bank. 

Message 1 of 6
5 REPLIES
Frequent Contributor

Re: Barclay letter on denial

when was the last time you pulled your CRs?

Lender pulled 10-10-13
EQ Fico 715 | EX Fico 714 | TU Fico 703
Message 2 of 6
Contributor

Re: Barclay letter on denial

Just pulled from my fico before applying.

Message 3 of 6
Frequent Contributor

Re: Barclay letter on denial

ok well did you ever call and recon?

Lender pulled 10-10-13
EQ Fico 715 | EX Fico 714 | TU Fico 703
Message 4 of 6
Community Leader
Valued Contributor

Re: Barclay letter on denial


iMacDrew wrote:

ok well did you ever call and recon?


+1  Recon - recon - recon...  You've already taken the HP.. might as well go for it.  Nothing to lose!  


Starting Score: 642
Current Score: EQ 773, EX 780, TU 777 (All FICO)
Goal Score: 800+

Cards: NFCU Flagship 50K, DC 30K, BCP 28.6K, Arrival+ 25K, Citi DP 22.8K, CSR 20.5K, TotalRewards 25K, QuickSilver 20K

Message 5 of 6
Highlighted
Contributor

Re: Barclay letter on denial

Yes, I called and they saidBon because my CC were so new as in just start opening accounts in June and I had baddies about 5 yearsago not CC.

Message 6 of 6