03-08-2010 11:59 AM - edited 03-08-2010 12:00 PM
03-08-2010 12:34 PM
03-08-2010 12:41 PM
03-08-2010 02:20 PM
I applied for a Barclays credit card on Saturday and found out today after checking the status of my application online that I was denied. I know it was automatically generated, and it stated that it evaluated me based on numerical values based on repayment history of large numbers of customers. My FICO score is 613 as of 2/24, and probably went up because I paid down a credit card to zero balance. I have one paid collection, and a late payment from March 2009 (Jared account; account current and has a zero balance now). It also said "Insufficient credit history". I just sent a letter to them using Planetfeedback.com explaining in detail the potentially negative items listed on my credit report. It had the CEO's name on the letter before I sent it, so I guess it going straight to him. Should I send a letter to them via USPS to underwriting as well, or just wait on the response from PF? Does anyone have any other suggestions for another card that I can try that pulls TU? Thanks in advance for any and all advice!Message Edited by Amleigh on 03-08-2010 12:00 PM
I mentioned this in a thread this morning. I applied and got denied Saturday also. I called the back door number this morning and got reevaluated and approved in 5 mins!. This is the number I called...Juniper: 866-408-4064 (Credit Analyst)....as listed in the back door thread. Good luck and let me know how it goes!!!!
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.