10-31-2012 02:34 PM
Yep just tried again actually, and was denied by the 2nd representative. I was told that I need to fax/email them my updated report. Which makes no sense since I recently submitted the application two days ago. All Balances paid, Transunion fako 703, Ex fako (642), EQ (625) fico.
What account where you applying for?
The score they put on my letter was 733, and that is what I was able to recon with.
I actually do not have an easy way to get the number again, but if you do a google search you can find it. The regular executive office can transfer you to the executive office for the credit card department.
10-31-2012 02:35 PM
I guess barclays totally exclude AU,s from scoring
AUs are not supposed to be included. Only joint account holders are supposed to be included. That is because AUs are not liable for the account thus it shouldn't have any impact on their credit score.
10-31-2012 03:33 PM
I app for the apple one . Instant Decline then i caled em for recon 1st rep told me "no credit ....i said whattttt think twice i have pefect cr " Then he said yeppp Just try in two months and the second time i caled wth the same Rep " i told u call me in 2 months " hahaha damnnn it
Wow thats crazy you got the same rep twice. Id suggest calling them again at a different time. Like if you called this morning, try the evening time or vise versa. there have been people that recon'd up to 5 times and finally got that 1 rep who approved it. Barclays is great with recons and their apple card is the easiest one to obtain. Def give it another go!
10-31-2012 05:28 PM
10-31-2012 05:37 PM
10-31-2012 05:40 PM
10-31-2012 06:49 PM
If u look at another way . It,s good thing couse some people use this advantage, latter they suffer now u know how to build your credit
That's true. I did it on my own without a cosigner. Then by the end of the month of my 21st bday I had over $25k in available credit.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions based on Experian or Equifax data (additional FICO® Score versions based on TransUnion data are not currently available on myFICO.com). 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.