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@bichonmom wrote:
Sept was 5 mos ago, so you should be fine for inq., if you only have those 2. They do look at other things, like util, number of recent accts, current CLs, etc. if you're denied, you can always recon. They're pretty good on recons.
+1. They are very good with recons, either if you are denied or if you are given a lower credit than you need for your purchase. I agree that you should be good to apply and if needed, recon.
@gettnthere wrote:
Barclay's is a good lender to get in with, that being said more than likely the online application will either deny you or will need further review. You'll need to call the recon line to speak to a credit analyst. They'll ask u some questions about job/income and be prepared to explain each and every one of those derogatorys. They are really good about approving on recon as long as you have acceptable answers to their questions but its pretty painless and easy. IMO you stand a decent chance on RECON. good luck
Correction.. lol. Meant to say I do not think I would get approved now. Anyways well I will definitely give it a shot once my disputes come back from the Big 3.