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Regular Contributor
beautybrainsbooty
Posts: 212
Registered: ‎08-02-2012
0

Barclays denied. Recon call made. *UPDATE*

[ Edited ]

Decided to app for the Barclays Apple today while my reports are unfroze. I was denied and the only thing I can think of is maybe inquiries or the newer TLs reporting (all pif so utility should be near 0) on TU since my report is clean and absolutely nothing is late-ever. Scores are above average (see sig). I will call backdoor on Monday to do a recon however Im a little nervous about it, not sure what to expect. I need that MacBook!!!! How do I approach the call guys?

 

 

*UPDATE 10/8*

Made the recon call today. Talked to a really nice, english speaking rep,who went over my entire report, asked a few questions about salary, but told me because my credit  card history was too new that I needed 6 months time to show history. She told me it looks like everything else has been handled exceptionally well but they need 6 months of cc history. I did not fight her but my NEWEST cards are within the last few months. I've have two others that are years old, rather large-and in good standing , paid off in full and still reporting. I think I will wait and try again tomorrow. No mention whatsoever of inquiries which is what I thought it would be.

started mid 500's. Disputed incorrect items and within a month or two my scores have skyrocketed and continue to do so
EQ: 755 as of 8/2013
TU: 700
Experian(or as I call them, the devil) I have no clue, they haven't released my report
Goal=801 across the board!!! Not too far from this, hoping to garden until Christmas 2013
Valued Contributor
creditnocash
Posts: 2,216
Registered: ‎07-23-2012
0

Re: Barclays denied. Nervous about Recon call. Suggestions?

You mean Tuesday. Holiday on Monday.

But did you get flat out denied?

Just say I'd really like to take your loc to purchase a MacBook. I just applied and so and so happened and wondering I ou could take a second look.
They might still be open now. West coast it's only 345 depending where ey are located
Current: Discover Fico 689 8/14 Walmart Fico 697 8/14

Inquiries (24 Months): EQ 6 TU 3 EX 4 | Most Recent: 09/04/2013
2 Inquiries in The Last 12 Months


2014 Goals:
Lower Utility

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000
New Contributor
Elcid89
Posts: 567
Registered: ‎10-04-2012
0

Re: Barclays denied. Nervous about Recon call. Suggestions?


beautybrainsbooty wrote:
Decided to app for the Barclays Apple today while my reports are unfroze. I was denied and the only thing I can think of is maybe inquiries or the newer TLs reporting (all pif so utility should be near 0) on TU since my report is clean and absolutely nothing is late-ever. Scores are above average (see sig). I will call backdoor on Monday to do a recon however Im a little nervous about it, not sure what to expect. I need that MacBook!!!! How do I approach the call guys?

Barclay tends to be inquiry sensitive. Re:the call, just tell them that you want the app reconsidered, and hint that you are trying to make an Apple purchase and want to use their card to do it because of the special terms. Explain whatever they ask about in the best light possible without lying, and hope for the best.

FICO 04 scores: 809 (EQ) 812 (EX) 818 (TU)

Amex Platinum NPSL - Citi HHonors Sig. $58k - BMW Ultimate $40k
Chase Sapphire Preferred $62k - Merrill Lynch + Signature $41k - USAA Rate Advantage $28k
NFCU Flagship Signature $50k - USAA Cash Rewards AMEX $28k
Citi Platinum Select / AAdvantage Signature $31k - Chase Amtrak Rewards World MC $41k

Regular Contributor
beautybrainsbooty
Posts: 212
Registered: ‎08-02-2012
0

Re: Barclays denied. Nervous about Recon call. Suggestions?

Flat out denied. OMG. Monday is indeed a holiday. It hurt too, because I have been getting nothing but approvals lately lol. So do I go to a credit analyst or the main customer service number listed on the BD numbers??

started mid 500's. Disputed incorrect items and within a month or two my scores have skyrocketed and continue to do so
EQ: 755 as of 8/2013
TU: 700
Experian(or as I call them, the devil) I have no clue, they haven't released my report
Goal=801 across the board!!! Not too far from this, hoping to garden until Christmas 2013
Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011
0

Re: Barclays denied. Nervous about Recon call. Suggestions?

Don't be scared. Be truthful and make sure they got it that your going to buy an apple computer with it. More than likely you were computer denied for INQs / New accounts.



Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
New Contributor
Elcid89
Posts: 567
Registered: ‎10-04-2012
0

Re: Barclays denied. Nervous about Recon call. Suggestions?


beautybrainsbooty wrote:

Flat out denied. OMG. Monday is indeed a holiday. It hurt too, because I have been getting nothing but approvals lately lol. So do I go to a credit analyst or the main customer service number listed on the BD numbers??


866-408-4064

 

They may be closed since it is a weekend and a holiday weekend at that. If so, try the regular number.

 

FICO 04 scores: 809 (EQ) 812 (EX) 818 (TU)

Amex Platinum NPSL - Citi HHonors Sig. $58k - BMW Ultimate $40k
Chase Sapphire Preferred $62k - Merrill Lynch + Signature $41k - USAA Rate Advantage $28k
NFCU Flagship Signature $50k - USAA Cash Rewards AMEX $28k
Citi Platinum Select / AAdvantage Signature $31k - Chase Amtrak Rewards World MC $41k

Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011
0

Re: Barclays denied. Nervous about Recon call. Suggestions?

Barclays is amazing with recons, you'll get it! Fingers crossed for you!!



Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Regular Contributor
snsforever916
Posts: 144
Registered: ‎06-28-2012
0

Re: Barclays denied. Nervous about Recon call. Suggestions?


LS2982 wrote:
Barclays is amazing with recons, you'll get it! Fingers crossed for you!!

Oh I wish that were true! I was denied recon. To be fair my uti is high right now...37% and I had 2 chargeoffs and 1 collection from 2007/2008. He suggested paying down my CC's and paying off my chargeoffs/collection. :smileysurprised:(

Starting Scores:
Lender Pull 7/10/2012 EQ 585 EX 617 TU 551
8/2012 MyFico EX 598 01/2013 EX 608 2/2013 EX 620 :smileysurprised:)
9/12/2012 624 (Fico Discover)
02/7/2013 660 (Fico Wally)
At least I'm heading in the right direction!!!

Goal Score:740+, home loan and Get rid of subprime cards!!!



Valued Contributor
creditnocash
Posts: 2,216
Registered: ‎07-23-2012
0

Re: Barclays denied. Nervous about Recon call. Suggestions?

How many cards Did you app for or do you mean pre approvals.

The worst they can do is say no.
Current: Discover Fico 689 8/14 Walmart Fico 697 8/14

Inquiries (24 Months): EQ 6 TU 3 EX 4 | Most Recent: 09/04/2013
2 Inquiries in The Last 12 Months


2014 Goals:
Lower Utility

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000
Valued Contributor
Repo-ed
Posts: 2,953
Registered: ‎02-09-2012
0

Re: Barclays denied. Nervous about Recon call. Suggestions?

Barclay probably gave me the easiet recon to date.

 

just asked a few questions about my file, and why I wanted the card.

 

Told them I was rebuilding, and I wanted to buy an ipad at the local apple store (which I did not buy - just wanted the card) and they matched the CL of my highest card and boom, done.


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