12-26-2012 09:40 PM - last edited on 12-26-2012 10:21 PM by Revelate
Hi, I have been reading alot of inspirational and hope stories here on the board about credit card denials and reconsideration and what really helped me was the discussion on backdoor numbers. After having gone through Ch13 in 2008 and finally discharged after payment plans completed in 2011, I have not really worked with the credit bureaus to dispute the incorrect reporting due to the tedious paperwork, etc.
Anyway, I really wanted a card from Chase and came across the Zappos Visa, I applied online, was denied and sent a letter via PlanetFeedback asking for reconsideration. The reconsideration from Executive was not approved because at the same time I called the Chase recon line and explained myself to the female rep and was denied. She told me she needed to see more re-establishment and to try back maybe in a year or so but no guarantees.
I called a week later and was denied again after having explained myself to the rep on why there is a BK, etc., then I went back to the forums and scoured to see if there was such a thing as calling Chase recon numerous times because I did not want to look so desperate, so I tried again on my 3rd attempt and the same thing....denied, need to see more re-establishment with creditors...Tried a 4th time and this time they said, I think you tried calling a few days ago, so that was not successful.
Finally today I decided to try one last time and I heard the voice of this lady at the other end and she sounded like a sweet lady that may listen to my explanation, and then she kept saying..."hello, hello is there anyone on the line" as if she could not hear me, so she hung up. I almost gave up because I thought it was a sign that I should just stop calling. But, I called right back and got a nice gentleman who listened to me explain myself without even him asking me to explain... I already knew the drill, then he sounded like he could feel my compassion to rebuild my credit and told me he was going to put me on hold....I was already telling myself to get ready for the lecture and denial, but when he came on, he said, " I see that you are attempting to reestablish yourself so I recommend to approve you for $1000.00, you will need to call 1-800-278-8830 first thing in the morning to complete the processing and you should receive your card in 5 days. OMG!! I did not give up, I had conviction and faith and you guys in this forum are right, "just keep trying and believe.". Thanks so much for the discussion on this board.
-- Excellent story, small editing to make it easier to read than one big paragraph --Rev
12-26-2012 09:49 PM
Talk about determination and tenacity.....you win hands down!
Great success story and congrats!!!!
12-26-2012 10:04 PM
Congrats! I'm impressed by the determination you demonstrated. I have high hopes that you will treat your new credit responsibly. Best of luck to you!
12-26-2012 10:18 PM
Wow! I applaud you for not giving up...!
12-26-2012 10:25 PM - edited 12-26-2012 10:32 PM
Thank you. I told myself after having gone through a Ch13 and all the explanations and rebuilding that comes after, that there is a reason for everything. If I could have avoided the BK, I would have, but I went from a dual to single income and I was very picky as to when I would rebuild and who it would be with into the credit world after finishing up my payment plan. In today's world, its either cash or credit and in some rare instances, credit cards only. So, with that said, I just wanted to start back on track with prime, surpass the subprime and just stick with determination that if you mean business, then stick with the ones you know who you want to have a long and lasting "banking" relationship with.
I hope to just build my credit scores from here on out and stick with my game plan that 1 or 2 major credit cards (even if credit line is small) would be sufficient.
12-26-2012 10:30 PM - edited 12-26-2012 10:31 PM
Thanks REV for editing, I was hoping to go back and edit but could not so I am really grateful you did it for me
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.