03-13-2013 04:43 PM
I had to recon 3x for my Freedom card, but was eventually approved and the ONLY reason I kept calling, was from the advice I received on here! I was nervous as heck too, to call again after being told "No," but I just told them why I wanted to have an account with them, and that even if I can have a small limit to start with to show my credit-worthiness, I would appreciate it. I told them that I have screwed up my credit when I was younger, and did not know the future ramifications of having CO's, but I do now, and am trying to show that! Also, be prepared to state why you have the negatives on your reports, DO NOT LIE, just be straightforward and honest. Keep us posted and call them back! You already took a HP, so do not quit yet!
....(Steps off soapbox)
myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.>> About myFICO