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09-04-2012 08:55 AM
First time user here. Just wanted to thank the community here about the info. I'm a foreigner working in the US for the past couple of years, so kinda new to this credit score system. I do have credit cards but I have never put too much emphasis on the importance of building and managing my credit score.
I applied for CSP just before labor day. When I wanted to know how can I check my application status, I saw there's no official way to do so. After googling, I came across this great forum. Using the backdoor numbers, I got a live person telling me that my application was denied. While I'm not sure about my current accurate score, I know it should be a good one. Taking into account the suggestions on recon, I asked them to take another look at it, and was approved instantly for 10k CL (not my largest CL but still nice). The reason for my initial decline was b/c I applied and were approved for Chase Amtrak card 3 weeks ago (for work) and apparently the computer doesn't like multiple application is such a short notice
If it wasn't for the info here, I'd probably gotten a decline letter in 10 days, absorb the hurt of the inquiry on my report, and live on (like I did twice in the past for toy cc).
09-04-2012 09:48 AM
09-04-2012 09:50 AM
Congratulations! Nice CL!
09-04-2012 10:02 AM
That's great news! This forum has helped me in the very same way, glad you had good success