New Visitor
Posts: 1
Registered: ‎09-04-2012

CSP - recon approved after initial denial

Hi all, 


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 yearsso 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.

applied for CSP just before labor day. When I wanted to know how can check my application status, I saw there's no official way to do so. After googling, I came across this great forumUsing 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 daysabsorb the hurt of the inquiry on my report, and live on (like I did twice in the past for toy cc).



Frequent Contributor
Posts: 260
Registered: ‎08-29-2011

Re: CSP - recon approved after initial denial

Congrats on your approval and welcome to the forum :smileyhappy:

Starting Score Myfico EQ: 676 08/11/2011
Current Score: Amazon EQ Pull: 781 Walmart TU08: 782 AMEX EX Pull: 745 08/03/2014 Goal Score: 780+
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Mega Contributor
Posts: 15,434
Registered: ‎04-09-2011

Re: CSP - recon approved after initial denial


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
Established Contributor
Posts: 797
Registered: ‎05-01-2012

Re: CSP - recon approved after initial denial


Starting Score: EX: 575 (PSECU 5/2/12) TU: 582 (3/6/12) EQ: 664 (4/27/12)
Current Score: EX: 699 (PSECU 06/04/14) 702 (my FICO 08/05/14) TU: 699 (08/01/14) EQ: 675 (07/08/14)
Goal Score: 720
20K PSECU 7/12 | 12K USAA 9/12 | 11K BOA 1-2-3 9/12 | 9K Citi HHonors 9/12 | 8.5K Citi AAdvantage 5/08 | 5K Chase Sapphire Pref. 9/12 | 3.8K Barclays USAir 7/12 | 6K Walmart Dis. 11/12 | 1K Amex SPG 11/12 | 2K Amex BCP 1/13
Valued Contributor
Posts: 2,829
Registered: ‎03-14-2012

Re: CSP - recon approved after initial denial

Congratulations!  Nice CL!

Starting Score: 639 (Walmart TU)
Current Score: TU 715 (Barclay) EX 685 (myFICO) EQ 697 (myFICO)
Goal Score: 700 Across the Board (Mortgage Goal Achieved 1/31/2012!)

Take the FICO Fitness Challenge
Posts: 122
Registered: ‎08-19-2012

Re: CSP - recon approved after initial denial

That's great news! This forum has helped me in the very same way, glad you had good success:smileyhappy:

Amex PR Gold NPSL | Amex BCP 16.5k| Amex Delta Gold Skymiles 14.9k | Amex BSP 5k | Discover 12.5k | Citi Diamond Preferred 11.9k | Chase Freedom 12k | Chase Sapphire Preferred 12k | US Bank Cash + Visa 13k | BankAmericard Cash Rewards Signature Visa 9.5k | M and T Bank Visa 10.9k | FICO TU 784 EQ 768 EX 784

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