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I was denied for a Chase Freedom card 3 months ago. Since then my scores have rebounded a bit. What score level should I wait for before calling the recon line? I called it after my initial rejection. At the time they had my score as 607 and I believe it was an Ex score that was partially tweaked by them. I am thinking I will call the recon when my score gets to the 660 range. Does that sound reasonable? I have one baddie on my report. It is an old BofA creditcard which was closed in 2010 and settled for less than the total. My most recend delinquency on that was 3 years ago. I had a federal lien but that has been deleted from my reports, Credit sesame has my fako score at 691 now. As I said I am thinking of waiting til my Eq fico is around 660 and then calling. Does that make sense or do I have a shot sooner? My score now I estimate at around 635 or 640. I am too cheap to pay to find out exactly what it is. I am waiting for my free DCU score and free walmart TU scores to come out.
Ok I gotcha. I got the other 2 cards in jan and feb.
You can't recon after that long. You can re-apply though. With a baddie on the report, I will let the scorest get above 680 before I pull the trigger.
@dddewdrop wrote:I was denied for a Chase Freedom card 3 months ago. Since then my scores have rebounded a bit. What score level should I wait for before calling the recon line? I called it after my initial rejection. At the time they had my score as 607 and I believe it was an Ex score that was partially tweaked by them. I am thinking I will call the recon when my score gets to the 660 range. Does that sound reasonable? I have one baddie on my report. It is an old BofA creditcard which was closed in 2010 and settled for less than the total. My most recend delinquency on that was 3 years ago. I had a federal lien but that has been deleted from my reports, Credit sesame has my fako score at 691 now. As I said I am thinking of waiting til my Eq fico is around 660 and then calling. Does that make sense or do I have a shot sooner? My score now I estimate at around 635 or 640. I am too cheap to pay to find out exactly what it is. I am waiting for my free DCU score and free walmart TU scores to come out.
ok thanks for the advice. Back to the garden go I....
@dddewdrop wrote:Ok I gotcha. I got the other 2 cards in jan and feb.
wait till those accounts are 6 months i would say